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$96,192
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,184
−HK$3,040/mo
Today · 4.125%
HK$102,224
baseline
▲ 0.50% · 4.625%
HK$108,445
+HK$6,221/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$204,448/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,792,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,013
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,883
−HK$2,912/mo
Today · 4.125%
HK$112,795
baseline
▲ 0.50% · 4.625%
HK$118,740
+HK$5,945/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$225,590/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,792,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,431
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,021
−HK$3,648/mo
Today · 4.125%
HK$122,669
baseline
▲ 0.50% · 4.625%
HK$130,133
+HK$7,464/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$245,338/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,792,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,416
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,860
−HK$3,493/mo
Today · 4.125%
HK$135,353
baseline
▲ 0.50% · 4.625%
HK$142,488
+HK$7,135/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$270,706/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,792,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,669
−HK$8,445/mo
▼ 0.25% · 3.875%
HK$138,858
−HK$4,256/mo
Today · 4.125%
HK$143,114
baseline
▲ 0.50% · 4.625%
HK$151,822
+HK$8,708/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$286,228/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,818
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,836
−HK$4,076/mo
Today · 4.125%
HK$157,912
baseline
▲ 0.50% · 4.625%
HK$166,236
+HK$8,324/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$315,824/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,146
−HK$10,858/mo
▼ 0.25% · 3.875%
HK$178,532
−HK$5,472/mo
Today · 4.125%
HK$184,004
baseline
▲ 0.50% · 4.625%
HK$195,200
+HK$11,196/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$368,008/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,623
−HK$10,407/mo
▼ 0.25% · 3.875%
HK$197,789
−HK$5,241/mo
Today · 4.125%
HK$203,030
baseline
▲ 0.50% · 4.625%
HK$213,732
+HK$10,702/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$406,060/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,857 · Scale 2, in force from 26 Feb 2026)