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$96,583
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,587
−HK$3,053/mo
Today · 4.125%
HK$102,640
baseline
▲ 0.50% · 4.625%
HK$108,885
+HK$6,245/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$205,280/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,448
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,330
−HK$2,923/mo
Today · 4.125%
HK$113,253
baseline
▲ 0.50% · 4.625%
HK$119,223
+HK$5,970/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$226,506/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,900
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$119,505
−HK$3,663/mo
Today · 4.125%
HK$123,168
baseline
▲ 0.50% · 4.625%
HK$130,662
+HK$7,494/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$246,336/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,800,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,937
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$132,395
−HK$3,508/mo
Today · 4.125%
HK$135,903
baseline
▲ 0.50% · 4.625%
HK$143,067
+HK$7,164/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$271,806/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,800,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,216
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,422
−HK$4,274/mo
Today · 4.125%
HK$143,696
baseline
▲ 0.50% · 4.625%
HK$152,439
+HK$8,743/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$287,392/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,427
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$154,461
−HK$4,093/mo
Today · 4.125%
HK$158,554
baseline
▲ 0.50% · 4.625%
HK$166,912
+HK$8,358/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$317,108/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,850
−HK$10,902/mo
▼ 0.25% · 3.875%
HK$179,257
−HK$5,495/mo
Today · 4.125%
HK$184,752
baseline
▲ 0.50% · 4.625%
HK$195,993
+HK$11,241/mo
Deposit HK$4.24M · loan HK$38.12M · min. income ≈ HK$369,504/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,406
−HK$10,449/mo
▼ 0.25% · 3.875%
HK$198,593
−HK$5,262/mo
Today · 4.125%
HK$203,855
baseline
▲ 0.50% · 4.625%
HK$214,601
+HK$10,746/mo
Deposit HK$4.24M · loan HK$38.12M · min. income ≈ HK$407,710/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,142 · Scale 2, in force from 26 Feb 2026)