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$96,235
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,228
−HK$3,042/mo
Today · 4.125%
HK$102,270
baseline
▲ 0.50% · 4.625%
HK$108,493
+HK$6,223/mo
Deposit HK$21.10M · loan HK$21.10M · min. income ≈ HK$204,540/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$1,793,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,060
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,932
−HK$2,912/mo
Today · 4.125%
HK$112,844
baseline
▲ 0.50% · 4.625%
HK$118,793
+HK$5,949/mo
Deposit HK$21.10M · loan HK$21.10M · min. income ≈ HK$225,688/mo (50% DSR)
Upfront cash ≈ HK$22.90M (deposit + AVD stamp duty HK$1,793,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,482
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,074
−HK$3,650/mo
Today · 4.125%
HK$122,724
baseline
▲ 0.50% · 4.625%
HK$130,191
+HK$7,467/mo
Deposit HK$16.88M · loan HK$25.32M · min. income ≈ HK$245,448/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,793,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,472
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,918
−HK$3,495/mo
Today · 4.125%
HK$135,413
baseline
▲ 0.50% · 4.625%
HK$142,551
+HK$7,138/mo
Deposit HK$16.88M · loan HK$25.32M · min. income ≈ HK$270,826/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,793,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,729
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$138,920
−HK$4,258/mo
Today · 4.125%
HK$143,178
baseline
▲ 0.50% · 4.625%
HK$151,890
+HK$8,712/mo
Deposit HK$12.66M · loan HK$29.54M · min. income ≈ HK$286,356/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,884
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$153,904
−HK$4,078/mo
Today · 4.125%
HK$157,982
baseline
▲ 0.50% · 4.625%
HK$166,310
+HK$8,328/mo
Deposit HK$12.66M · loan HK$29.54M · min. income ≈ HK$315,964/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,223
−HK$10,862/mo
▼ 0.25% · 3.875%
HK$178,611
−HK$5,474/mo
Today · 4.125%
HK$184,085
baseline
▲ 0.50% · 4.625%
HK$195,287
+HK$11,202/mo
Deposit HK$4.22M · loan HK$37.98M · min. income ≈ HK$368,170/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,709
−HK$10,411/mo
▼ 0.25% · 3.875%
HK$197,877
−HK$5,243/mo
Today · 4.125%
HK$203,120
baseline
▲ 0.50% · 4.625%
HK$213,827
+HK$10,707/mo
Deposit HK$4.22M · loan HK$37.98M · min. income ≈ HK$406,240/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,651 · Scale 2, in force from 26 Feb 2026)