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$95,844
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,825
−HK$3,029/mo
Today · 4.125%
HK$101,854
baseline
▲ 0.50% · 4.625%
HK$108,051
+HK$6,197/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,708/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,625
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,485
−HK$2,901/mo
Today · 4.125%
HK$112,386
baseline
▲ 0.50% · 4.625%
HK$118,310
+HK$5,924/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,772/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,012
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$118,590
−HK$3,635/mo
Today · 4.125%
HK$122,225
baseline
▲ 0.50% · 4.625%
HK$129,662
+HK$7,437/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$244,450/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,950
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,382
−HK$3,481/mo
Today · 4.125%
HK$134,863
baseline
▲ 0.50% · 4.625%
HK$141,972
+HK$7,109/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$269,726/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,181
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$138,355
−HK$4,240/mo
Today · 4.125%
HK$142,595
baseline
▲ 0.50% · 4.625%
HK$151,272
+HK$8,677/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,190/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,275
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$153,279
−HK$4,061/mo
Today · 4.125%
HK$157,340
baseline
▲ 0.50% · 4.625%
HK$165,634
+HK$8,294/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,680/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,519
−HK$10,818/mo
▼ 0.25% · 3.875%
HK$177,885
−HK$5,452/mo
Today · 4.125%
HK$183,337
baseline
▲ 0.50% · 4.625%
HK$194,493
+HK$11,156/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$366,674/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,925
−HK$10,369/mo
▼ 0.25% · 3.875%
HK$197,072
−HK$5,222/mo
Today · 4.125%
HK$202,294
baseline
▲ 0.50% · 4.625%
HK$212,957
+HK$10,663/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$404,588/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,358 · Scale 2, in force from 26 Feb 2026)