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$96,068
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,056
−HK$3,036/mo
Today · 4.125%
HK$102,092
baseline
▲ 0.50% · 4.625%
HK$108,304
+HK$6,212/mo
Deposit HK$21.07M · loan HK$21.07M · min. income ≈ HK$204,184/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$1,790,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,874
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,741
−HK$2,908/mo
Today · 4.125%
HK$112,649
baseline
▲ 0.50% · 4.625%
HK$118,586
+HK$5,937/mo
Deposit HK$21.07M · loan HK$21.07M · min. income ≈ HK$225,298/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$1,790,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,281
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,867
−HK$3,643/mo
Today · 4.125%
HK$122,510
baseline
▲ 0.50% · 4.625%
HK$129,965
+HK$7,455/mo
Deposit HK$16.85M · loan HK$25.28M · min. income ≈ HK$245,020/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,249
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,689
−HK$3,489/mo
Today · 4.125%
HK$135,178
baseline
▲ 0.50% · 4.625%
HK$142,304
+HK$7,126/mo
Deposit HK$16.85M · loan HK$25.28M · min. income ≈ HK$270,356/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,495
−HK$8,434/mo
▼ 0.25% · 3.875%
HK$138,678
−HK$4,251/mo
Today · 4.125%
HK$142,929
baseline
▲ 0.50% · 4.625%
HK$151,626
+HK$8,697/mo
Deposit HK$12.64M · loan HK$29.49M · min. income ≈ HK$285,858/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,624
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$153,637
−HK$4,071/mo
Today · 4.125%
HK$157,708
baseline
▲ 0.50% · 4.625%
HK$166,021
+HK$8,313/mo
Deposit HK$12.64M · loan HK$29.49M · min. income ≈ HK$315,416/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,922
−HK$10,844/mo
▼ 0.25% · 3.875%
HK$178,301
−HK$5,465/mo
Today · 4.125%
HK$183,766
baseline
▲ 0.50% · 4.625%
HK$194,947
+HK$11,181/mo
Deposit HK$4.21M · loan HK$37.92M · min. income ≈ HK$367,532/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,374
−HK$10,393/mo
▼ 0.25% · 3.875%
HK$197,533
−HK$5,234/mo
Today · 4.125%
HK$202,767
baseline
▲ 0.50% · 4.625%
HK$213,455
+HK$10,688/mo
Deposit HK$4.21M · loan HK$37.92M · min. income ≈ HK$405,534/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,536 · Scale 2, in force from 26 Feb 2026)