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$95,857
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,839
−HK$3,029/mo
Today · 4.125%
HK$101,868
baseline
▲ 0.50% · 4.625%
HK$108,066
+HK$6,198/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,736/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,640
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,500
−HK$2,901/mo
Today · 4.125%
HK$112,401
baseline
▲ 0.50% · 4.625%
HK$118,326
+HK$5,925/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,802/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,028
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,606
−HK$3,636/mo
Today · 4.125%
HK$122,242
baseline
▲ 0.50% · 4.625%
HK$129,680
+HK$7,438/mo
Deposit HK$16.82M · loan HK$25.22M · min. income ≈ HK$244,484/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,968
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,400
−HK$3,481/mo
Today · 4.125%
HK$134,881
baseline
▲ 0.50% · 4.625%
HK$141,991
+HK$7,110/mo
Deposit HK$16.82M · loan HK$25.22M · min. income ≈ HK$269,762/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,200
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$138,374
−HK$4,241/mo
Today · 4.125%
HK$142,615
baseline
▲ 0.50% · 4.625%
HK$151,293
+HK$8,678/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$285,230/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,296
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$153,300
−HK$4,062/mo
Today · 4.125%
HK$157,362
baseline
▲ 0.50% · 4.625%
HK$165,656
+HK$8,294/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$314,724/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,542
−HK$10,820/mo
▼ 0.25% · 3.875%
HK$177,909
−HK$5,453/mo
Today · 4.125%
HK$183,362
baseline
▲ 0.50% · 4.625%
HK$194,519
+HK$11,157/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$366,724/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,952
−HK$10,370/mo
▼ 0.25% · 3.875%
HK$197,100
−HK$5,222/mo
Today · 4.125%
HK$202,322
baseline
▲ 0.50% · 4.625%
HK$212,987
+HK$10,665/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$404,644/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,605 · Scale 2, in force from 26 Feb 2026)