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$95,867
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,849
−HK$3,030/mo
Today · 4.125%
HK$101,879
baseline
▲ 0.50% · 4.625%
HK$108,078
+HK$6,199/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,758/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,651
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,511
−HK$2,902/mo
Today · 4.125%
HK$112,413
baseline
▲ 0.50% · 4.625%
HK$118,339
+HK$5,926/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,826/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,040
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,619
−HK$3,635/mo
Today · 4.125%
HK$122,254
baseline
▲ 0.50% · 4.625%
HK$129,693
+HK$7,439/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$244,508/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,981
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,414
−HK$3,482/mo
Today · 4.125%
HK$134,896
baseline
▲ 0.50% · 4.625%
HK$142,006
+HK$7,110/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$269,792/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,214
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$138,389
−HK$4,241/mo
Today · 4.125%
HK$142,630
baseline
▲ 0.50% · 4.625%
HK$151,309
+HK$8,679/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$285,260/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,312
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$153,316
−HK$4,062/mo
Today · 4.125%
HK$157,378
baseline
▲ 0.50% · 4.625%
HK$165,674
+HK$8,296/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$314,756/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,561
−HK$10,821/mo
▼ 0.25% · 3.875%
HK$177,928
−HK$5,454/mo
Today · 4.125%
HK$183,382
baseline
▲ 0.50% · 4.625%
HK$194,540
+HK$11,158/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$366,764/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,972
−HK$10,372/mo
▼ 0.25% · 3.875%
HK$197,121
−HK$5,223/mo
Today · 4.125%
HK$202,344
baseline
▲ 0.50% · 4.625%
HK$213,009
+HK$10,665/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$404,688/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,794 · Scale 2, in force from 26 Feb 2026)