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$96,335
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,332
−HK$3,044/mo
Today · 4.125%
HK$102,376
baseline
▲ 0.50% · 4.625%
HK$108,606
+HK$6,230/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$204,752/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,172
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,046
−HK$2,916/mo
Today · 4.125%
HK$112,962
baseline
▲ 0.50% · 4.625%
HK$118,916
+HK$5,954/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$225,924/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,602
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,198
−HK$3,653/mo
Today · 4.125%
HK$122,851
baseline
▲ 0.50% · 4.625%
HK$130,327
+HK$7,476/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,702/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,606
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,055
−HK$3,499/mo
Today · 4.125%
HK$135,554
baseline
▲ 0.50% · 4.625%
HK$142,700
+HK$7,146/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,108/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,869
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,064
−HK$4,263/mo
Today · 4.125%
HK$143,327
baseline
▲ 0.50% · 4.625%
HK$152,048
+HK$8,721/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$286,654/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,041
−HK$8,106/mo
▼ 0.25% · 3.875%
HK$154,065
−HK$4,082/mo
Today · 4.125%
HK$158,147
baseline
▲ 0.50% · 4.625%
HK$166,483
+HK$8,336/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$316,294/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,403
−HK$10,874/mo
▼ 0.25% · 3.875%
HK$178,797
−HK$5,480/mo
Today · 4.125%
HK$184,277
baseline
▲ 0.50% · 4.625%
HK$195,490
+HK$11,213/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$368,554/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,909
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$198,083
−HK$5,249/mo
Today · 4.125%
HK$203,332
baseline
▲ 0.50% · 4.625%
HK$214,050
+HK$10,718/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$406,664/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,520 · Scale 2, in force from 26 Feb 2026)