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$96,426
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,426
−HK$3,047/mo
Today · 4.125%
HK$102,473
baseline
▲ 0.50% · 4.625%
HK$108,708
+HK$6,235/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,946/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,273
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,150
−HK$2,919/mo
Today · 4.125%
HK$113,069
baseline
▲ 0.50% · 4.625%
HK$119,029
+HK$5,960/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,138/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,712
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,311
−HK$3,657/mo
Today · 4.125%
HK$122,968
baseline
▲ 0.50% · 4.625%
HK$130,450
+HK$7,482/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$245,936/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,728
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,180
−HK$3,503/mo
Today · 4.125%
HK$135,683
baseline
▲ 0.50% · 4.625%
HK$142,835
+HK$7,152/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$271,366/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,997
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$139,196
−HK$4,266/mo
Today · 4.125%
HK$143,462
baseline
▲ 0.50% · 4.625%
HK$152,192
+HK$8,730/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$286,924/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,183
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,210
−HK$4,087/mo
Today · 4.125%
HK$158,297
baseline
▲ 0.50% · 4.625%
HK$166,641
+HK$8,344/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$316,594/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,567
−HK$10,885/mo
▼ 0.25% · 3.875%
HK$178,966
−HK$5,486/mo
Today · 4.125%
HK$184,452
baseline
▲ 0.50% · 4.625%
HK$195,675
+HK$11,223/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$368,904/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,092
−HK$10,432/mo
▼ 0.25% · 3.875%
HK$198,271
−HK$5,253/mo
Today · 4.125%
HK$203,524
baseline
▲ 0.50% · 4.625%
HK$214,252
+HK$10,728/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$407,048/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,218 · Scale 2, in force from 26 Feb 2026)