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$96,168
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,160
−HK$3,039/mo
Today · 4.125%
HK$102,199
baseline
▲ 0.50% · 4.625%
HK$108,417
+HK$6,218/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$204,398/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,986
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,856
−HK$2,910/mo
Today · 4.125%
HK$112,766
baseline
▲ 0.50% · 4.625%
HK$118,710
+HK$5,944/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$225,532/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,402
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$118,992
−HK$3,647/mo
Today · 4.125%
HK$122,639
baseline
▲ 0.50% · 4.625%
HK$130,101
+HK$7,462/mo
Deposit HK$16.87M · loan HK$25.30M · min. income ≈ HK$245,278/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,792,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,384
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,827
−HK$3,493/mo
Today · 4.125%
HK$135,320
baseline
▲ 0.50% · 4.625%
HK$142,453
+HK$7,133/mo
Deposit HK$16.87M · loan HK$25.30M · min. income ≈ HK$270,640/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,792,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,636
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,824
−HK$4,254/mo
Today · 4.125%
HK$143,078
baseline
▲ 0.50% · 4.625%
HK$151,784
+HK$8,706/mo
Deposit HK$12.65M · loan HK$29.52M · min. income ≈ HK$286,156/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,792,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,781
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,798
−HK$4,075/mo
Today · 4.125%
HK$157,873
baseline
▲ 0.50% · 4.625%
HK$166,195
+HK$8,322/mo
Deposit HK$12.65M · loan HK$29.52M · min. income ≈ HK$315,746/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,792,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,103
−HK$10,855/mo
▼ 0.25% · 3.875%
HK$178,487
−HK$5,471/mo
Today · 4.125%
HK$183,958
baseline
▲ 0.50% · 4.625%
HK$195,151
+HK$11,193/mo
Deposit HK$4.22M · loan HK$37.96M · min. income ≈ HK$367,916/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,575
−HK$10,405/mo
▼ 0.25% · 3.875%
HK$197,740
−HK$5,240/mo
Today · 4.125%
HK$202,980
baseline
▲ 0.50% · 4.625%
HK$213,679
+HK$10,699/mo
Deposit HK$4.22M · loan HK$37.96M · min. income ≈ HK$405,960/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,410 · Scale 2, in force from 26 Feb 2026)