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$96,542
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,545
−HK$3,052/mo
Today · 4.125%
HK$102,597
baseline
▲ 0.50% · 4.625%
HK$108,839
+HK$6,242/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$205,194/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,403
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,283
−HK$2,922/mo
Today · 4.125%
HK$113,205
baseline
▲ 0.50% · 4.625%
HK$119,172
+HK$5,967/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$226,410/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,851
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,455
−HK$3,661/mo
Today · 4.125%
HK$123,116
baseline
▲ 0.50% · 4.625%
HK$130,607
+HK$7,491/mo
Deposit HK$16.94M · loan HK$25.40M · min. income ≈ HK$246,232/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,799,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,883
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$132,340
−HK$3,506/mo
Today · 4.125%
HK$135,846
baseline
▲ 0.50% · 4.625%
HK$143,007
+HK$7,161/mo
Deposit HK$16.94M · loan HK$25.40M · min. income ≈ HK$271,692/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,799,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,159
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$139,364
−HK$4,271/mo
Today · 4.125%
HK$143,635
baseline
▲ 0.50% · 4.625%
HK$152,375
+HK$8,740/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$287,270/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,364
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$154,396
−HK$4,091/mo
Today · 4.125%
HK$158,487
baseline
▲ 0.50% · 4.625%
HK$166,841
+HK$8,354/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$316,974/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,776
−HK$10,898/mo
▼ 0.25% · 3.875%
HK$179,182
−HK$5,492/mo
Today · 4.125%
HK$184,674
baseline
▲ 0.50% · 4.625%
HK$195,911
+HK$11,237/mo
Deposit HK$4.23M · loan HK$38.10M · min. income ≈ HK$369,348/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,325
−HK$10,444/mo
▼ 0.25% · 3.875%
HK$198,509
−HK$5,260/mo
Today · 4.125%
HK$203,769
baseline
▲ 0.50% · 4.625%
HK$214,510
+HK$10,741/mo
Deposit HK$4.23M · loan HK$38.10M · min. income ≈ HK$407,538/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,383 · Scale 2, in force from 26 Feb 2026)