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$95,921
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,905
−HK$3,031/mo
Today · 4.125%
HK$101,936
baseline
▲ 0.50% · 4.625%
HK$108,139
+HK$6,203/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,872/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,711
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,573
−HK$2,903/mo
Today · 4.125%
HK$112,476
baseline
▲ 0.50% · 4.625%
HK$118,405
+HK$5,929/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,952/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,105
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,686
−HK$3,637/mo
Today · 4.125%
HK$122,323
baseline
▲ 0.50% · 4.625%
HK$129,766
+HK$7,443/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,646/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,053
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,488
−HK$3,484/mo
Today · 4.125%
HK$134,972
baseline
▲ 0.50% · 4.625%
HK$142,086
+HK$7,114/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,944/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,289
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,467
−HK$4,244/mo
Today · 4.125%
HK$142,711
baseline
▲ 0.50% · 4.625%
HK$151,394
+HK$8,683/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,422/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,396
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$153,402
−HK$4,065/mo
Today · 4.125%
HK$157,467
baseline
▲ 0.50% · 4.625%
HK$165,767
+HK$8,300/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$314,934/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,658
−HK$10,827/mo
▼ 0.25% · 3.875%
HK$178,028
−HK$5,457/mo
Today · 4.125%
HK$183,485
baseline
▲ 0.50% · 4.625%
HK$194,650
+HK$11,165/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$366,970/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,080
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$197,232
−HK$5,226/mo
Today · 4.125%
HK$202,458
baseline
▲ 0.50% · 4.625%
HK$213,129
+HK$10,671/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,916/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,801 · Scale 2, in force from 26 Feb 2026)