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$96,050
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,038
−HK$3,036/mo
Today · 4.125%
HK$102,074
baseline
▲ 0.50% · 4.625%
HK$108,285
+HK$6,211/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$204,148/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,855
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,721
−HK$2,907/mo
Today · 4.125%
HK$112,628
baseline
▲ 0.50% · 4.625%
HK$118,565
+HK$5,937/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$225,256/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,260
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,846
−HK$3,642/mo
Today · 4.125%
HK$122,488
baseline
▲ 0.50% · 4.625%
HK$129,941
+HK$7,453/mo
Deposit HK$16.85M · loan HK$25.27M · min. income ≈ HK$244,976/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,226
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$131,665
−HK$3,489/mo
Today · 4.125%
HK$135,154
baseline
▲ 0.50% · 4.625%
HK$142,278
+HK$7,124/mo
Deposit HK$16.85M · loan HK$25.27M · min. income ≈ HK$270,308/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,471
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,653
−HK$4,250/mo
Today · 4.125%
HK$142,903
baseline
▲ 0.50% · 4.625%
HK$151,598
+HK$8,695/mo
Deposit HK$12.64M · loan HK$29.49M · min. income ≈ HK$285,806/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,597
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$153,609
−HK$4,070/mo
Today · 4.125%
HK$157,679
baseline
▲ 0.50% · 4.625%
HK$165,991
+HK$8,312/mo
Deposit HK$12.64M · loan HK$29.49M · min. income ≈ HK$315,358/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,891
−HK$10,842/mo
▼ 0.25% · 3.875%
HK$178,269
−HK$5,464/mo
Today · 4.125%
HK$183,733
baseline
▲ 0.50% · 4.625%
HK$194,912
+HK$11,179/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$367,466/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,339
−HK$10,392/mo
▼ 0.25% · 3.875%
HK$197,498
−HK$5,233/mo
Today · 4.125%
HK$202,731
baseline
▲ 0.50% · 4.625%
HK$213,417
+HK$10,686/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$405,462/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,212 · Scale 2, in force from 26 Feb 2026)