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$96,195
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,187
−HK$3,040/mo
Today · 4.125%
HK$102,227
baseline
▲ 0.50% · 4.625%
HK$108,447
+HK$6,220/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$204,454/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,792,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,015
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,886
−HK$2,911/mo
Today · 4.125%
HK$112,797
baseline
▲ 0.50% · 4.625%
HK$118,743
+HK$5,946/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$225,594/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,792,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,433
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,024
−HK$3,648/mo
Today · 4.125%
HK$122,672
baseline
▲ 0.50% · 4.625%
HK$130,136
+HK$7,464/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$245,344/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,792,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,419
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$131,863
−HK$3,494/mo
Today · 4.125%
HK$135,357
baseline
▲ 0.50% · 4.625%
HK$142,491
+HK$7,134/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$270,714/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,792,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,672
−HK$8,445/mo
▼ 0.25% · 3.875%
HK$138,861
−HK$4,256/mo
Today · 4.125%
HK$143,117
baseline
▲ 0.50% · 4.625%
HK$151,826
+HK$8,709/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$286,234/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,822
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,840
−HK$4,076/mo
Today · 4.125%
HK$157,916
baseline
▲ 0.50% · 4.625%
HK$166,240
+HK$8,324/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$315,832/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,150
−HK$10,858/mo
▼ 0.25% · 3.875%
HK$178,536
−HK$5,472/mo
Today · 4.125%
HK$184,008
baseline
▲ 0.50% · 4.625%
HK$195,205
+HK$11,197/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$368,016/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,628
−HK$10,407/mo
▼ 0.25% · 3.875%
HK$197,794
−HK$5,241/mo
Today · 4.125%
HK$203,035
baseline
▲ 0.50% · 4.625%
HK$213,737
+HK$10,702/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$406,070/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,898 · Scale 2, in force from 26 Feb 2026)