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$96,285
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,280
−HK$3,043/mo
Today · 4.125%
HK$102,323
baseline
▲ 0.50% · 4.625%
HK$108,549
+HK$6,226/mo
Deposit HK$21.11M · loan HK$21.11M · min. income ≈ HK$204,646/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,116
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,989
−HK$2,914/mo
Today · 4.125%
HK$112,903
baseline
▲ 0.50% · 4.625%
HK$118,855
+HK$5,952/mo
Deposit HK$21.11M · loan HK$21.11M · min. income ≈ HK$225,806/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,542
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$119,136
−HK$3,652/mo
Today · 4.125%
HK$122,788
baseline
▲ 0.50% · 4.625%
HK$130,259
+HK$7,471/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$245,576/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,794,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,540
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,987
−HK$3,497/mo
Today · 4.125%
HK$135,484
baseline
▲ 0.50% · 4.625%
HK$142,626
+HK$7,142/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$270,968/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,794,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,799
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$138,992
−HK$4,260/mo
Today · 4.125%
HK$143,252
baseline
▲ 0.50% · 4.625%
HK$151,969
+HK$8,717/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$286,504/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,963
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$153,985
−HK$4,080/mo
Today · 4.125%
HK$158,065
baseline
▲ 0.50% · 4.625%
HK$166,397
+HK$8,332/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$316,130/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,313
−HK$10,869/mo
▼ 0.25% · 3.875%
HK$178,704
−HK$5,478/mo
Today · 4.125%
HK$184,182
baseline
▲ 0.50% · 4.625%
HK$195,389
+HK$11,207/mo
Deposit HK$4.22M · loan HK$38.00M · min. income ≈ HK$368,364/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,809
−HK$10,417/mo
▼ 0.25% · 3.875%
HK$197,980
−HK$5,246/mo
Today · 4.125%
HK$203,226
baseline
▲ 0.50% · 4.625%
HK$213,939
+HK$10,713/mo
Deposit HK$4.22M · loan HK$38.00M · min. income ≈ HK$406,452/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,589 · Scale 2, in force from 26 Feb 2026)