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$95,915
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,899
−HK$3,031/mo
Today · 4.125%
HK$101,930
baseline
▲ 0.50% · 4.625%
HK$108,132
+HK$6,202/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,860/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,705
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,567
−HK$2,903/mo
Today · 4.125%
HK$112,470
baseline
▲ 0.50% · 4.625%
HK$118,398
+HK$5,928/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,940/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,098
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,679
−HK$3,637/mo
Today · 4.125%
HK$122,316
baseline
▲ 0.50% · 4.625%
HK$129,759
+HK$7,443/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,632/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,046
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,480
−HK$3,484/mo
Today · 4.125%
HK$134,964
baseline
▲ 0.50% · 4.625%
HK$142,078
+HK$7,114/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,928/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,282
−HK$8,420/mo
▼ 0.25% · 3.875%
HK$138,458
−HK$4,244/mo
Today · 4.125%
HK$142,702
baseline
▲ 0.50% · 4.625%
HK$151,385
+HK$8,683/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$285,404/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,387
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$153,393
−HK$4,065/mo
Today · 4.125%
HK$157,458
baseline
▲ 0.50% · 4.625%
HK$165,758
+HK$8,300/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$314,916/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,648
−HK$10,826/mo
▼ 0.25% · 3.875%
HK$178,018
−HK$5,456/mo
Today · 4.125%
HK$183,474
baseline
▲ 0.50% · 4.625%
HK$194,638
+HK$11,164/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$366,948/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,069
−HK$10,377/mo
▼ 0.25% · 3.875%
HK$197,220
−HK$5,226/mo
Today · 4.125%
HK$202,446
baseline
▲ 0.50% · 4.625%
HK$213,117
+HK$10,671/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,892/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,696 · Scale 2, in force from 26 Feb 2026)