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$95,850
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,831
−HK$3,029/mo
Today · 4.125%
HK$101,860
baseline
▲ 0.50% · 4.625%
HK$108,058
+HK$6,198/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,720/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,632
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,492
−HK$2,901/mo
Today · 4.125%
HK$112,393
baseline
▲ 0.50% · 4.625%
HK$118,317
+HK$5,924/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,786/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,020
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,597
−HK$3,635/mo
Today · 4.125%
HK$122,232
baseline
▲ 0.50% · 4.625%
HK$129,670
+HK$7,438/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$244,464/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,958
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,390
−HK$3,481/mo
Today · 4.125%
HK$134,871
baseline
▲ 0.50% · 4.625%
HK$141,981
+HK$7,110/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$269,742/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,190
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$138,364
−HK$4,241/mo
Today · 4.125%
HK$142,605
baseline
▲ 0.50% · 4.625%
HK$151,282
+HK$8,677/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,210/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,285
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$153,288
−HK$4,062/mo
Today · 4.125%
HK$157,350
baseline
▲ 0.50% · 4.625%
HK$165,644
+HK$8,294/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,700/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,530
−HK$10,819/mo
▼ 0.25% · 3.875%
HK$177,896
−HK$5,453/mo
Today · 4.125%
HK$183,349
baseline
▲ 0.50% · 4.625%
HK$194,505
+HK$11,156/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$366,698/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,937
−HK$10,370/mo
▼ 0.25% · 3.875%
HK$197,085
−HK$5,222/mo
Today · 4.125%
HK$202,307
baseline
▲ 0.50% · 4.625%
HK$212,971
+HK$10,664/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$404,614/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,472 · Scale 2, in force from 26 Feb 2026)