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$95,913
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,896
−HK$3,031/mo
Today · 4.125%
HK$101,927
baseline
▲ 0.50% · 4.625%
HK$108,129
+HK$6,202/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,854/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,702
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,564
−HK$2,903/mo
Today · 4.125%
HK$112,467
baseline
▲ 0.50% · 4.625%
HK$118,395
+HK$5,928/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,934/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,095
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,676
−HK$3,637/mo
Today · 4.125%
HK$122,313
baseline
▲ 0.50% · 4.625%
HK$129,755
+HK$7,442/mo
Deposit HK$16.82M · loan HK$25.24M · min. income ≈ HK$244,626/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,042
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,477
−HK$3,483/mo
Today · 4.125%
HK$134,960
baseline
▲ 0.50% · 4.625%
HK$142,074
+HK$7,114/mo
Deposit HK$16.82M · loan HK$25.24M · min. income ≈ HK$269,920/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,278
−HK$8,420/mo
▼ 0.25% · 3.875%
HK$138,455
−HK$4,243/mo
Today · 4.125%
HK$142,698
baseline
▲ 0.50% · 4.625%
HK$151,381
+HK$8,683/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$285,396/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,383
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$153,389
−HK$4,065/mo
Today · 4.125%
HK$157,454
baseline
▲ 0.50% · 4.625%
HK$165,753
+HK$8,299/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$314,908/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,643
−HK$10,826/mo
▼ 0.25% · 3.875%
HK$178,013
−HK$5,456/mo
Today · 4.125%
HK$183,469
baseline
▲ 0.50% · 4.625%
HK$194,633
+HK$11,164/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$366,938/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,064
−HK$10,376/mo
▼ 0.25% · 3.875%
HK$197,215
−HK$5,225/mo
Today · 4.125%
HK$202,440
baseline
▲ 0.50% · 4.625%
HK$213,111
+HK$10,671/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,880/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,649 · Scale 2, in force from 26 Feb 2026)