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$96,201
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,193
−HK$3,040/mo
Today · 4.125%
HK$102,233
baseline
▲ 0.50% · 4.625%
HK$108,454
+HK$6,221/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$204,466/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,793,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,022
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,893
−HK$2,911/mo
Today · 4.125%
HK$112,804
baseline
▲ 0.50% · 4.625%
HK$118,751
+HK$5,947/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$225,608/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,793,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,441
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,032
−HK$3,648/mo
Today · 4.125%
HK$122,680
baseline
▲ 0.50% · 4.625%
HK$130,145
+HK$7,465/mo
Deposit HK$16.88M · loan HK$25.31M · min. income ≈ HK$245,360/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,793,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,427
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$131,871
−HK$3,494/mo
Today · 4.125%
HK$135,365
baseline
▲ 0.50% · 4.625%
HK$142,501
+HK$7,136/mo
Deposit HK$16.88M · loan HK$25.31M · min. income ≈ HK$270,730/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,793,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,681
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$138,870
−HK$4,257/mo
Today · 4.125%
HK$143,127
baseline
▲ 0.50% · 4.625%
HK$151,836
+HK$8,709/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$286,254/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,831
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$153,850
−HK$4,076/mo
Today · 4.125%
HK$157,926
baseline
▲ 0.50% · 4.625%
HK$166,251
+HK$8,325/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$315,852/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,161
−HK$10,859/mo
▼ 0.25% · 3.875%
HK$178,548
−HK$5,472/mo
Today · 4.125%
HK$184,020
baseline
▲ 0.50% · 4.625%
HK$195,217
+HK$11,197/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$368,040/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,640
−HK$10,408/mo
▼ 0.25% · 3.875%
HK$197,807
−HK$5,241/mo
Today · 4.125%
HK$203,048
baseline
▲ 0.50% · 4.625%
HK$213,751
+HK$10,703/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$406,096/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,014 · Scale 2, in force from 26 Feb 2026)