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$96,139
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,130
−HK$3,038/mo
Today · 4.125%
HK$102,168
baseline
▲ 0.50% · 4.625%
HK$108,385
+HK$6,217/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$204,336/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,954
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,822
−HK$2,910/mo
Today · 4.125%
HK$112,732
baseline
▲ 0.50% · 4.625%
HK$118,675
+HK$5,943/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$225,464/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,367
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,956
−HK$3,646/mo
Today · 4.125%
HK$122,602
baseline
▲ 0.50% · 4.625%
HK$130,062
+HK$7,460/mo
Deposit HK$16.86M · loan HK$25.30M · min. income ≈ HK$245,204/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,791,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,345
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,787
−HK$3,492/mo
Today · 4.125%
HK$135,279
baseline
▲ 0.50% · 4.625%
HK$142,409
+HK$7,130/mo
Deposit HK$16.86M · loan HK$25.30M · min. income ≈ HK$270,558/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,791,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,595
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$138,781
−HK$4,254/mo
Today · 4.125%
HK$143,035
baseline
▲ 0.50% · 4.625%
HK$151,738
+HK$8,703/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$286,070/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,735
−HK$8,090/mo
▼ 0.25% · 3.875%
HK$153,751
−HK$4,074/mo
Today · 4.125%
HK$157,825
baseline
▲ 0.50% · 4.625%
HK$166,144
+HK$8,319/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$315,650/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,051
−HK$10,851/mo
▼ 0.25% · 3.875%
HK$178,433
−HK$5,469/mo
Today · 4.125%
HK$183,902
baseline
▲ 0.50% · 4.625%
HK$195,092
+HK$11,190/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$367,804/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,517
−HK$10,401/mo
▼ 0.25% · 3.875%
HK$197,680
−HK$5,238/mo
Today · 4.125%
HK$202,918
baseline
▲ 0.50% · 4.625%
HK$213,614
+HK$10,696/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$405,836/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,867 · Scale 2, in force from 26 Feb 2026)