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$95,829
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,809
−HK$3,029/mo
Today · 4.125%
HK$101,838
baseline
▲ 0.50% · 4.625%
HK$108,034
+HK$6,196/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,676/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,608
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,468
−HK$2,900/mo
Today · 4.125%
HK$112,368
baseline
▲ 0.50% · 4.625%
HK$118,291
+HK$5,923/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,736/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,994
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,571
−HK$3,634/mo
Today · 4.125%
HK$122,205
baseline
▲ 0.50% · 4.625%
HK$129,641
+HK$7,436/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$244,410/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,930
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,361
−HK$3,481/mo
Today · 4.125%
HK$134,842
baseline
▲ 0.50% · 4.625%
HK$141,949
+HK$7,107/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$269,684/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,160
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,333
−HK$4,240/mo
Today · 4.125%
HK$142,573
baseline
▲ 0.50% · 4.625%
HK$151,248
+HK$8,675/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,146/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,786,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,252
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,255
−HK$4,060/mo
Today · 4.125%
HK$157,315
baseline
▲ 0.50% · 4.625%
HK$165,608
+HK$8,293/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,630/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,786,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,491
−HK$10,817/mo
▼ 0.25% · 3.875%
HK$177,857
−HK$5,451/mo
Today · 4.125%
HK$183,308
baseline
▲ 0.50% · 4.625%
HK$194,462
+HK$11,154/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$366,616/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,895
−HK$10,368/mo
▼ 0.25% · 3.875%
HK$197,042
−HK$5,221/mo
Today · 4.125%
HK$202,263
baseline
▲ 0.50% · 4.625%
HK$212,924
+HK$10,661/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$404,526/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,078 · Scale 2, in force from 26 Feb 2026)