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$96,401
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,399
−HK$3,047/mo
Today · 4.125%
HK$102,446
baseline
▲ 0.50% · 4.625%
HK$108,680
+HK$6,234/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,892/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,245
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,121
−HK$2,918/mo
Today · 4.125%
HK$113,039
baseline
▲ 0.50% · 4.625%
HK$118,998
+HK$5,959/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,078/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,681
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,279
−HK$3,656/mo
Today · 4.125%
HK$122,935
baseline
▲ 0.50% · 4.625%
HK$130,416
+HK$7,481/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$245,870/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,694
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,145
−HK$3,502/mo
Today · 4.125%
HK$135,647
baseline
▲ 0.50% · 4.625%
HK$142,797
+HK$7,150/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$271,294/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,961
−HK$8,463/mo
▼ 0.25% · 3.875%
HK$139,159
−HK$4,265/mo
Today · 4.125%
HK$143,424
baseline
▲ 0.50% · 4.625%
HK$152,151
+HK$8,727/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,848/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,143
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$154,170
−HK$4,085/mo
Today · 4.125%
HK$158,255
baseline
▲ 0.50% · 4.625%
HK$166,597
+HK$8,342/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,510/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,522
−HK$10,881/mo
▼ 0.25% · 3.875%
HK$178,919
−HK$5,484/mo
Today · 4.125%
HK$184,403
baseline
▲ 0.50% · 4.625%
HK$195,623
+HK$11,220/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$368,806/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,041
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$198,218
−HK$5,252/mo
Today · 4.125%
HK$203,470
baseline
▲ 0.50% · 4.625%
HK$214,196
+HK$10,726/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$406,940/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,744 · Scale 2, in force from 26 Feb 2026)