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$96,289
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,284
−HK$3,043/mo
Today · 4.125%
HK$102,327
baseline
▲ 0.50% · 4.625%
HK$108,553
+HK$6,226/mo
Deposit HK$21.11M · loan HK$21.11M · min. income ≈ HK$204,654/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,120
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,993
−HK$2,914/mo
Today · 4.125%
HK$112,907
baseline
▲ 0.50% · 4.625%
HK$118,859
+HK$5,952/mo
Deposit HK$21.11M · loan HK$21.11M · min. income ≈ HK$225,814/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,546
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$119,140
−HK$3,652/mo
Today · 4.125%
HK$122,792
baseline
▲ 0.50% · 4.625%
HK$130,264
+HK$7,472/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$245,584/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,794,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,544
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$131,991
−HK$3,498/mo
Today · 4.125%
HK$135,489
baseline
▲ 0.50% · 4.625%
HK$142,631
+HK$7,142/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$270,978/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,794,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,804
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$138,997
−HK$4,260/mo
Today · 4.125%
HK$143,257
baseline
▲ 0.50% · 4.625%
HK$151,974
+HK$8,717/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$286,514/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,968
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$153,990
−HK$4,080/mo
Today · 4.125%
HK$158,070
baseline
▲ 0.50% · 4.625%
HK$166,402
+HK$8,332/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$316,140/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,319
−HK$10,869/mo
▼ 0.25% · 3.875%
HK$178,711
−HK$5,477/mo
Today · 4.125%
HK$184,188
baseline
▲ 0.50% · 4.625%
HK$195,395
+HK$11,207/mo
Deposit HK$4.22M · loan HK$38.00M · min. income ≈ HK$368,376/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,816
−HK$10,417/mo
▼ 0.25% · 3.875%
HK$197,987
−HK$5,246/mo
Today · 4.125%
HK$203,233
baseline
▲ 0.50% · 4.625%
HK$213,946
+HK$10,713/mo
Deposit HK$4.22M · loan HK$38.00M · min. income ≈ HK$406,466/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,650 · Scale 2, in force from 26 Feb 2026)