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$95,885
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,867
−HK$3,030/mo
Today · 4.125%
HK$101,897
baseline
▲ 0.50% · 4.625%
HK$108,098
+HK$6,201/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,794/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,671
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,531
−HK$2,903/mo
Today · 4.125%
HK$112,434
baseline
▲ 0.50% · 4.625%
HK$118,360
+HK$5,926/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,868/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,061
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,641
−HK$3,636/mo
Today · 4.125%
HK$122,277
baseline
▲ 0.50% · 4.625%
HK$129,717
+HK$7,440/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$244,554/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,005
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,438
−HK$3,482/mo
Today · 4.125%
HK$134,920
baseline
▲ 0.50% · 4.625%
HK$142,032
+HK$7,112/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$269,840/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,238
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$138,414
−HK$4,242/mo
Today · 4.125%
HK$142,656
baseline
▲ 0.50% · 4.625%
HK$151,337
+HK$8,681/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$285,312/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,339
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$153,344
−HK$4,063/mo
Today · 4.125%
HK$157,407
baseline
▲ 0.50% · 4.625%
HK$165,704
+HK$8,297/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$314,814/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,592
−HK$10,823/mo
▼ 0.25% · 3.875%
HK$177,961
−HK$5,454/mo
Today · 4.125%
HK$183,415
baseline
▲ 0.50% · 4.625%
HK$194,576
+HK$11,161/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$366,830/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,007
−HK$10,374/mo
▼ 0.25% · 3.875%
HK$197,157
−HK$5,224/mo
Today · 4.125%
HK$202,381
baseline
▲ 0.50% · 4.625%
HK$213,048
+HK$10,667/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$404,762/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,122 · Scale 2, in force from 26 Feb 2026)