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$95,925
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,908
−HK$3,032/mo
Today · 4.125%
HK$101,940
baseline
▲ 0.50% · 4.625%
HK$108,143
+HK$6,203/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,880/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,715
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,577
−HK$2,904/mo
Today · 4.125%
HK$112,481
baseline
▲ 0.50% · 4.625%
HK$118,410
+HK$5,929/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,962/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,110
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,690
−HK$3,638/mo
Today · 4.125%
HK$122,328
baseline
▲ 0.50% · 4.625%
HK$129,771
+HK$7,443/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,656/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,058
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,493
−HK$3,484/mo
Today · 4.125%
HK$134,977
baseline
▲ 0.50% · 4.625%
HK$142,092
+HK$7,115/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,954/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,294
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,472
−HK$4,244/mo
Today · 4.125%
HK$142,716
baseline
▲ 0.50% · 4.625%
HK$151,400
+HK$8,684/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,432/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,401
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$153,408
−HK$4,065/mo
Today · 4.125%
HK$157,473
baseline
▲ 0.50% · 4.625%
HK$165,774
+HK$8,301/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$314,946/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,664
−HK$10,828/mo
▼ 0.25% · 3.875%
HK$178,035
−HK$5,457/mo
Today · 4.125%
HK$183,492
baseline
▲ 0.50% · 4.625%
HK$194,657
+HK$11,165/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$366,984/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,087
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$197,239
−HK$5,226/mo
Today · 4.125%
HK$202,465
baseline
▲ 0.50% · 4.625%
HK$213,137
+HK$10,672/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,930/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,868 · Scale 2, in force from 26 Feb 2026)