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$96,265
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,260
−HK$3,042/mo
Today · 4.125%
HK$102,302
baseline
▲ 0.50% · 4.625%
HK$108,527
+HK$6,225/mo
Deposit HK$21.11M · loan HK$21.11M · min. income ≈ HK$204,604/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$1,794,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,094
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,966
−HK$2,914/mo
Today · 4.125%
HK$112,880
baseline
▲ 0.50% · 4.625%
HK$118,830
+HK$5,950/mo
Deposit HK$21.11M · loan HK$21.11M · min. income ≈ HK$225,760/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$1,794,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,518
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$119,112
−HK$3,650/mo
Today · 4.125%
HK$122,762
baseline
▲ 0.50% · 4.625%
HK$130,232
+HK$7,470/mo
Deposit HK$16.89M · loan HK$25.33M · min. income ≈ HK$245,524/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,794,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,513
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,960
−HK$3,496/mo
Today · 4.125%
HK$135,456
baseline
▲ 0.50% · 4.625%
HK$142,596
+HK$7,140/mo
Deposit HK$16.89M · loan HK$25.33M · min. income ≈ HK$270,912/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,794,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,771
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$138,964
−HK$4,259/mo
Today · 4.125%
HK$143,223
baseline
▲ 0.50% · 4.625%
HK$151,937
+HK$8,714/mo
Deposit HK$12.67M · loan HK$29.55M · min. income ≈ HK$286,446/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,932
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$153,953
−HK$4,079/mo
Today · 4.125%
HK$158,032
baseline
▲ 0.50% · 4.625%
HK$166,362
+HK$8,330/mo
Deposit HK$12.67M · loan HK$29.55M · min. income ≈ HK$316,064/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,277
−HK$10,867/mo
▼ 0.25% · 3.875%
HK$178,667
−HK$5,477/mo
Today · 4.125%
HK$184,144
baseline
▲ 0.50% · 4.625%
HK$195,348
+HK$11,204/mo
Deposit HK$4.22M · loan HK$38.00M · min. income ≈ HK$368,288/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,769
−HK$10,415/mo
▼ 0.25% · 3.875%
HK$197,939
−HK$5,245/mo
Today · 4.125%
HK$203,184
baseline
▲ 0.50% · 4.625%
HK$213,894
+HK$10,710/mo
Deposit HK$4.22M · loan HK$38.00M · min. income ≈ HK$406,368/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,217 · Scale 2, in force from 26 Feb 2026)