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$96,374
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,372
−HK$3,045/mo
Today · 4.125%
HK$102,417
baseline
▲ 0.50% · 4.625%
HK$108,649
+HK$6,232/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,834/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,215
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,090
−HK$2,917/mo
Today · 4.125%
HK$113,007
baseline
▲ 0.50% · 4.625%
HK$118,964
+HK$5,957/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$226,014/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,649
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,246
−HK$3,655/mo
Today · 4.125%
HK$122,901
baseline
▲ 0.50% · 4.625%
HK$130,379
+HK$7,478/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$245,802/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,796,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,658
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,109
−HK$3,500/mo
Today · 4.125%
HK$135,609
baseline
▲ 0.50% · 4.625%
HK$142,757
+HK$7,148/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$271,218/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,796,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,923
−HK$8,461/mo
▼ 0.25% · 3.875%
HK$139,120
−HK$4,264/mo
Today · 4.125%
HK$143,384
baseline
▲ 0.50% · 4.625%
HK$152,109
+HK$8,725/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,768/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,101
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,127
−HK$4,083/mo
Today · 4.125%
HK$158,210
baseline
▲ 0.50% · 4.625%
HK$166,550
+HK$8,340/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,420/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,473
−HK$10,878/mo
▼ 0.25% · 3.875%
HK$178,869
−HK$5,482/mo
Today · 4.125%
HK$184,351
baseline
▲ 0.50% · 4.625%
HK$195,569
+HK$11,218/mo
Deposit HK$4.23M · loan HK$38.04M · min. income ≈ HK$368,702/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,987
−HK$10,426/mo
▼ 0.25% · 3.875%
HK$198,163
−HK$5,250/mo
Today · 4.125%
HK$203,413
baseline
▲ 0.50% · 4.625%
HK$214,136
+HK$10,723/mo
Deposit HK$4.23M · loan HK$38.04M · min. income ≈ HK$406,826/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,242 · Scale 2, in force from 26 Feb 2026)