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$96,282
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,276
−HK$3,043/mo
Today · 4.125%
HK$102,319
baseline
▲ 0.50% · 4.625%
HK$108,545
+HK$6,226/mo
Deposit HK$21.11M · loan HK$21.11M · min. income ≈ HK$204,638/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,112
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,985
−HK$2,914/mo
Today · 4.125%
HK$112,899
baseline
▲ 0.50% · 4.625%
HK$118,850
+HK$5,951/mo
Deposit HK$21.11M · loan HK$21.11M · min. income ≈ HK$225,798/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,538
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,132
−HK$3,651/mo
Today · 4.125%
HK$122,783
baseline
▲ 0.50% · 4.625%
HK$130,254
+HK$7,471/mo
Deposit HK$16.89M · loan HK$25.33M · min. income ≈ HK$245,566/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,794,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,535
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,982
−HK$3,497/mo
Today · 4.125%
HK$135,479
baseline
▲ 0.50% · 4.625%
HK$142,620
+HK$7,141/mo
Deposit HK$16.89M · loan HK$25.33M · min. income ≈ HK$270,958/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,794,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,794
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$138,987
−HK$4,260/mo
Today · 4.125%
HK$143,247
baseline
▲ 0.50% · 4.625%
HK$151,963
+HK$8,716/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$286,494/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,957
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$153,979
−HK$4,080/mo
Today · 4.125%
HK$158,059
baseline
▲ 0.50% · 4.625%
HK$166,390
+HK$8,331/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$316,118/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,307
−HK$10,868/mo
▼ 0.25% · 3.875%
HK$178,698
−HK$5,477/mo
Today · 4.125%
HK$184,175
baseline
▲ 0.50% · 4.625%
HK$195,381
+HK$11,206/mo
Deposit HK$4.22M · loan HK$38.00M · min. income ≈ HK$368,350/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,802
−HK$10,417/mo
▼ 0.25% · 3.875%
HK$197,973
−HK$5,246/mo
Today · 4.125%
HK$203,219
baseline
▲ 0.50% · 4.625%
HK$213,931
+HK$10,712/mo
Deposit HK$4.22M · loan HK$38.00M · min. income ≈ HK$406,438/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,521 · Scale 2, in force from 26 Feb 2026)