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$96,025
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$99,012
−HK$3,034/mo
Today · 4.125%
HK$102,046
baseline
▲ 0.50% · 4.625%
HK$108,256
+HK$6,210/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$204,092/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,789,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,827
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,692
−HK$2,906/mo
Today · 4.125%
HK$112,598
baseline
▲ 0.50% · 4.625%
HK$118,533
+HK$5,935/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$225,196/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,789,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,230
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$118,814
−HK$3,642/mo
Today · 4.125%
HK$122,456
baseline
▲ 0.50% · 4.625%
HK$129,907
+HK$7,451/mo
Deposit HK$16.84M · loan HK$25.27M · min. income ≈ HK$244,912/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,789,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,192
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$131,630
−HK$3,488/mo
Today · 4.125%
HK$135,118
baseline
▲ 0.50% · 4.625%
HK$142,240
+HK$7,122/mo
Deposit HK$16.84M · loan HK$25.27M · min. income ≈ HK$270,236/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,789,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,435
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$138,616
−HK$4,249/mo
Today · 4.125%
HK$142,865
baseline
▲ 0.50% · 4.625%
HK$151,558
+HK$8,693/mo
Deposit HK$12.63M · loan HK$29.48M · min. income ≈ HK$285,730/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,789,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,557
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$153,568
−HK$4,069/mo
Today · 4.125%
HK$157,637
baseline
▲ 0.50% · 4.625%
HK$165,947
+HK$8,310/mo
Deposit HK$12.63M · loan HK$29.48M · min. income ≈ HK$315,274/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,789,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,845
−HK$10,839/mo
▼ 0.25% · 3.875%
HK$178,221
−HK$5,463/mo
Today · 4.125%
HK$183,684
baseline
▲ 0.50% · 4.625%
HK$194,860
+HK$11,176/mo
Deposit HK$4.21M · loan HK$37.90M · min. income ≈ HK$367,368/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,789,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,288
−HK$10,389/mo
▼ 0.25% · 3.875%
HK$197,445
−HK$5,232/mo
Today · 4.125%
HK$202,677
baseline
▲ 0.50% · 4.625%
HK$213,360
+HK$10,683/mo
Deposit HK$4.21M · loan HK$37.90M · min. income ≈ HK$405,354/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,789,736 · Scale 2, in force from 26 Feb 2026)