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$96,151
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,142
−HK$3,039/mo
Today · 4.125%
HK$102,181
baseline
▲ 0.50% · 4.625%
HK$108,398
+HK$6,217/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$204,362/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,967
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,836
−HK$2,910/mo
Today · 4.125%
HK$112,746
baseline
▲ 0.50% · 4.625%
HK$118,689
+HK$5,943/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$225,492/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,381
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$118,970
−HK$3,647/mo
Today · 4.125%
HK$122,617
baseline
▲ 0.50% · 4.625%
HK$130,078
+HK$7,461/mo
Deposit HK$16.87M · loan HK$25.30M · min. income ≈ HK$245,234/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,792,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,361
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,803
−HK$3,492/mo
Today · 4.125%
HK$135,295
baseline
▲ 0.50% · 4.625%
HK$142,427
+HK$7,132/mo
Deposit HK$16.87M · loan HK$25.30M · min. income ≈ HK$270,590/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,792,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,612
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$138,799
−HK$4,254/mo
Today · 4.125%
HK$143,053
baseline
▲ 0.50% · 4.625%
HK$151,757
+HK$8,704/mo
Deposit HK$12.65M · loan HK$29.52M · min. income ≈ HK$286,106/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,792,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,754
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$153,770
−HK$4,075/mo
Today · 4.125%
HK$157,845
baseline
▲ 0.50% · 4.625%
HK$166,165
+HK$8,320/mo
Deposit HK$12.65M · loan HK$29.52M · min. income ≈ HK$315,690/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,792,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,072
−HK$10,853/mo
▼ 0.25% · 3.875%
HK$178,455
−HK$5,470/mo
Today · 4.125%
HK$183,925
baseline
▲ 0.50% · 4.625%
HK$195,116
+HK$11,191/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$367,850/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,541
−HK$10,402/mo
▼ 0.25% · 3.875%
HK$197,705
−HK$5,238/mo
Today · 4.125%
HK$202,943
baseline
▲ 0.50% · 4.625%
HK$213,641
+HK$10,698/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$405,886/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,089 · Scale 2, in force from 26 Feb 2026)