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$95,847
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,828
−HK$3,029/mo
Today · 4.125%
HK$101,857
baseline
▲ 0.50% · 4.625%
HK$108,055
+HK$6,198/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,714/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,629
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,488
−HK$2,901/mo
Today · 4.125%
HK$112,389
baseline
▲ 0.50% · 4.625%
HK$118,314
+HK$5,925/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,778/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,016
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$118,594
−HK$3,635/mo
Today · 4.125%
HK$122,229
baseline
▲ 0.50% · 4.625%
HK$129,666
+HK$7,437/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$244,458/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,954
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,386
−HK$3,481/mo
Today · 4.125%
HK$134,867
baseline
▲ 0.50% · 4.625%
HK$141,976
+HK$7,109/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$269,734/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,186
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$138,359
−HK$4,241/mo
Today · 4.125%
HK$142,600
baseline
▲ 0.50% · 4.625%
HK$151,277
+HK$8,677/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,200/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,280
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$153,284
−HK$4,061/mo
Today · 4.125%
HK$157,345
baseline
▲ 0.50% · 4.625%
HK$165,639
+HK$8,294/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,690/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,524
−HK$10,819/mo
▼ 0.25% · 3.875%
HK$177,891
−HK$5,452/mo
Today · 4.125%
HK$183,343
baseline
▲ 0.50% · 4.625%
HK$194,499
+HK$11,156/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$366,686/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,931
−HK$10,370/mo
▼ 0.25% · 3.875%
HK$197,079
−HK$5,222/mo
Today · 4.125%
HK$202,301
baseline
▲ 0.50% · 4.625%
HK$212,965
+HK$10,664/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$404,602/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,417 · Scale 2, in force from 26 Feb 2026)