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$95,962
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,947
−HK$3,033/mo
Today · 4.125%
HK$101,980
baseline
▲ 0.50% · 4.625%
HK$108,185
+HK$6,205/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,960/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,757
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,620
−HK$2,905/mo
Today · 4.125%
HK$112,525
baseline
▲ 0.50% · 4.625%
HK$118,456
+HK$5,931/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$225,050/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,155
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$118,737
−HK$3,639/mo
Today · 4.125%
HK$122,376
baseline
▲ 0.50% · 4.625%
HK$129,822
+HK$7,446/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$244,752/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,109
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$131,545
−HK$3,485/mo
Today · 4.125%
HK$135,030
baseline
▲ 0.50% · 4.625%
HK$142,148
+HK$7,118/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$270,060/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,347
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$138,526
−HK$4,246/mo
Today · 4.125%
HK$142,772
baseline
▲ 0.50% · 4.625%
HK$151,460
+HK$8,688/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$285,544/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,460
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$153,469
−HK$4,066/mo
Today · 4.125%
HK$157,535
baseline
▲ 0.50% · 4.625%
HK$165,839
+HK$8,304/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$315,070/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,732
−HK$10,832/mo
▼ 0.25% · 3.875%
HK$178,105
−HK$5,459/mo
Today · 4.125%
HK$183,564
baseline
▲ 0.50% · 4.625%
HK$194,734
+HK$11,170/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$367,128/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,163
−HK$10,382/mo
▼ 0.25% · 3.875%
HK$197,317
−HK$5,228/mo
Today · 4.125%
HK$202,545
baseline
▲ 0.50% · 4.625%
HK$213,221
+HK$10,676/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$405,090/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,573 · Scale 2, in force from 26 Feb 2026)