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$95,801
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,781
−HK$3,028/mo
Today · 4.125%
HK$101,809
baseline
▲ 0.50% · 4.625%
HK$108,004
+HK$6,195/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,618/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,578
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,436
−HK$2,900/mo
Today · 4.125%
HK$112,336
baseline
▲ 0.50% · 4.625%
HK$118,257
+HK$5,921/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,672/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,961
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$118,537
−HK$3,634/mo
Today · 4.125%
HK$122,171
baseline
▲ 0.50% · 4.625%
HK$129,604
+HK$7,433/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$244,342/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,894
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$131,324
−HK$3,479/mo
Today · 4.125%
HK$134,803
baseline
▲ 0.50% · 4.625%
HK$141,909
+HK$7,106/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$269,606/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,122
−HK$8,410/mo
▼ 0.25% · 3.875%
HK$138,294
−HK$4,238/mo
Today · 4.125%
HK$142,532
baseline
▲ 0.50% · 4.625%
HK$151,205
+HK$8,673/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$285,064/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,209
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$153,211
−HK$4,059/mo
Today · 4.125%
HK$157,270
baseline
▲ 0.50% · 4.625%
HK$165,560
+HK$8,290/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$314,540/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,442
−HK$10,814/mo
▼ 0.25% · 3.875%
HK$177,806
−HK$5,450/mo
Today · 4.125%
HK$183,256
baseline
▲ 0.50% · 4.625%
HK$194,407
+HK$11,151/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$366,512/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,840
−HK$10,365/mo
▼ 0.25% · 3.875%
HK$196,985
−HK$5,220/mo
Today · 4.125%
HK$202,205
baseline
▲ 0.50% · 4.625%
HK$212,863
+HK$10,658/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$404,410/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,568 · Scale 2, in force from 26 Feb 2026)