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$96,208
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,201
−HK$3,041/mo
Today · 4.125%
HK$102,242
baseline
▲ 0.50% · 4.625%
HK$108,463
+HK$6,221/mo
Deposit HK$21.10M · loan HK$21.10M · min. income ≈ HK$204,484/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,793,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,031
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,901
−HK$2,912/mo
Today · 4.125%
HK$112,813
baseline
▲ 0.50% · 4.625%
HK$118,760
+HK$5,947/mo
Deposit HK$21.10M · loan HK$21.10M · min. income ≈ HK$225,626/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,793,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,450
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,041
−HK$3,649/mo
Today · 4.125%
HK$122,690
baseline
▲ 0.50% · 4.625%
HK$130,155
+HK$7,465/mo
Deposit HK$16.88M · loan HK$25.32M · min. income ≈ HK$245,380/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,793,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,437
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,882
−HK$3,494/mo
Today · 4.125%
HK$135,376
baseline
▲ 0.50% · 4.625%
HK$142,512
+HK$7,136/mo
Deposit HK$16.88M · loan HK$25.32M · min. income ≈ HK$270,752/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,793,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,692
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$138,881
−HK$4,257/mo
Today · 4.125%
HK$143,138
baseline
▲ 0.50% · 4.625%
HK$151,848
+HK$8,710/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$286,276/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,843
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,862
−HK$4,077/mo
Today · 4.125%
HK$157,939
baseline
▲ 0.50% · 4.625%
HK$166,264
+HK$8,325/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$315,878/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,175
−HK$10,860/mo
▼ 0.25% · 3.875%
HK$178,562
−HK$5,473/mo
Today · 4.125%
HK$184,035
baseline
▲ 0.50% · 4.625%
HK$195,233
+HK$11,198/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$368,070/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,656
−HK$10,408/mo
▼ 0.25% · 3.875%
HK$197,823
−HK$5,241/mo
Today · 4.125%
HK$203,064
baseline
▲ 0.50% · 4.625%
HK$213,768
+HK$10,704/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$406,128/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,158 · Scale 2, in force from 26 Feb 2026)