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$96,039
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,027
−HK$3,035/mo
Today · 4.125%
HK$102,062
baseline
▲ 0.50% · 4.625%
HK$108,272
+HK$6,210/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$204,124/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,843
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,708
−HK$2,907/mo
Today · 4.125%
HK$112,615
baseline
▲ 0.50% · 4.625%
HK$118,551
+HK$5,936/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$225,230/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,247
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$118,832
−HK$3,642/mo
Today · 4.125%
HK$122,474
baseline
▲ 0.50% · 4.625%
HK$129,927
+HK$7,453/mo
Deposit HK$16.85M · loan HK$25.27M · min. income ≈ HK$244,948/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,211
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$131,650
−HK$3,488/mo
Today · 4.125%
HK$135,138
baseline
▲ 0.50% · 4.625%
HK$142,262
+HK$7,124/mo
Deposit HK$16.85M · loan HK$25.27M · min. income ≈ HK$270,276/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,455
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,637
−HK$4,250/mo
Today · 4.125%
HK$142,887
baseline
▲ 0.50% · 4.625%
HK$151,581
+HK$8,694/mo
Deposit HK$12.64M · loan HK$29.48M · min. income ≈ HK$285,774/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,580
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$153,592
−HK$4,069/mo
Today · 4.125%
HK$157,661
baseline
▲ 0.50% · 4.625%
HK$165,972
+HK$8,311/mo
Deposit HK$12.64M · loan HK$29.48M · min. income ≈ HK$315,322/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,871
−HK$10,840/mo
▼ 0.25% · 3.875%
HK$178,248
−HK$5,463/mo
Today · 4.125%
HK$183,711
baseline
▲ 0.50% · 4.625%
HK$194,890
+HK$11,179/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$367,422/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,317
−HK$10,390/mo
▼ 0.25% · 3.875%
HK$197,475
−HK$5,232/mo
Today · 4.125%
HK$202,707
baseline
▲ 0.50% · 4.625%
HK$213,392
+HK$10,685/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$405,414/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,007 · Scale 2, in force from 26 Feb 2026)