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$96,143
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,133
−HK$3,039/mo
Today · 4.125%
HK$102,172
baseline
▲ 0.50% · 4.625%
HK$108,389
+HK$6,217/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$204,344/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,958
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,826
−HK$2,910/mo
Today · 4.125%
HK$112,736
baseline
▲ 0.50% · 4.625%
HK$118,679
+HK$5,943/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$225,472/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,371
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,960
−HK$3,646/mo
Today · 4.125%
HK$122,606
baseline
▲ 0.50% · 4.625%
HK$130,066
+HK$7,460/mo
Deposit HK$16.87M · loan HK$25.30M · min. income ≈ HK$245,212/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,791,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,349
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,792
−HK$3,492/mo
Today · 4.125%
HK$135,284
baseline
▲ 0.50% · 4.625%
HK$142,415
+HK$7,131/mo
Deposit HK$16.87M · loan HK$25.30M · min. income ≈ HK$270,568/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,791,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,600
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$138,787
−HK$4,253/mo
Today · 4.125%
HK$143,040
baseline
▲ 0.50% · 4.625%
HK$151,744
+HK$8,704/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$286,080/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,741
−HK$8,090/mo
▼ 0.25% · 3.875%
HK$153,757
−HK$4,074/mo
Today · 4.125%
HK$157,831
baseline
▲ 0.50% · 4.625%
HK$166,151
+HK$8,320/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$315,662/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,057
−HK$10,852/mo
▼ 0.25% · 3.875%
HK$178,440
−HK$5,469/mo
Today · 4.125%
HK$183,909
baseline
▲ 0.50% · 4.625%
HK$195,100
+HK$11,191/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$367,818/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,524
−HK$10,402/mo
▼ 0.25% · 3.875%
HK$197,688
−HK$5,238/mo
Today · 4.125%
HK$202,926
baseline
▲ 0.50% · 4.625%
HK$213,622
+HK$10,696/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$405,852/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,934 · Scale 2, in force from 26 Feb 2026)