The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$95,983
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,969
−HK$3,033/mo
Today · 4.125%
HK$102,002
baseline
▲ 0.50% · 4.625%
HK$108,209
+HK$6,207/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$204,004/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,788,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,780
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,644
−HK$2,905/mo
Today · 4.125%
HK$112,549
baseline
▲ 0.50% · 4.625%
HK$118,482
+HK$5,933/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$225,098/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,788,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,180
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,763
−HK$3,640/mo
Today · 4.125%
HK$122,403
baseline
▲ 0.50% · 4.625%
HK$129,851
+HK$7,448/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$244,806/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,788,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,136
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,573
−HK$3,486/mo
Today · 4.125%
HK$135,059
baseline
▲ 0.50% · 4.625%
HK$142,178
+HK$7,119/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$270,118/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,788,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,377
−HK$8,426/mo
▼ 0.25% · 3.875%
HK$138,556
−HK$4,247/mo
Today · 4.125%
HK$142,803
baseline
▲ 0.50% · 4.625%
HK$151,492
+HK$8,689/mo
Deposit HK$12.63M · loan HK$29.47M · min. income ≈ HK$285,606/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,493
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$153,502
−HK$4,067/mo
Today · 4.125%
HK$157,569
baseline
▲ 0.50% · 4.625%
HK$165,875
+HK$8,306/mo
Deposit HK$12.63M · loan HK$29.47M · min. income ≈ HK$315,138/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,770
−HK$10,834/mo
▼ 0.25% · 3.875%
HK$178,144
−HK$5,460/mo
Today · 4.125%
HK$183,604
baseline
▲ 0.50% · 4.625%
HK$194,776
+HK$11,172/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$367,208/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,205
−HK$10,384/mo
▼ 0.25% · 3.875%
HK$197,360
−HK$5,229/mo
Today · 4.125%
HK$202,589
baseline
▲ 0.50% · 4.625%
HK$213,268
+HK$10,679/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$405,178/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,961 · Scale 2, in force from 26 Feb 2026)