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$95,887
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,869
−HK$3,031/mo
Today · 4.125%
HK$101,900
baseline
▲ 0.50% · 4.625%
HK$108,100
+HK$6,200/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,800/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,673
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,534
−HK$2,902/mo
Today · 4.125%
HK$112,436
baseline
▲ 0.50% · 4.625%
HK$118,363
+HK$5,927/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,872/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,064
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,643
−HK$3,637/mo
Today · 4.125%
HK$122,280
baseline
▲ 0.50% · 4.625%
HK$129,720
+HK$7,440/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$244,560/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,008
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,441
−HK$3,483/mo
Today · 4.125%
HK$134,924
baseline
▲ 0.50% · 4.625%
HK$142,036
+HK$7,112/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$269,848/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,242
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$138,417
−HK$4,243/mo
Today · 4.125%
HK$142,660
baseline
▲ 0.50% · 4.625%
HK$151,340
+HK$8,680/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$285,320/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,342
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$153,348
−HK$4,063/mo
Today · 4.125%
HK$157,411
baseline
▲ 0.50% · 4.625%
HK$165,708
+HK$8,297/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$314,822/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,596
−HK$10,824/mo
▼ 0.25% · 3.875%
HK$177,965
−HK$5,455/mo
Today · 4.125%
HK$183,420
baseline
▲ 0.50% · 4.625%
HK$194,580
+HK$11,160/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$366,840/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,012
−HK$10,374/mo
▼ 0.25% · 3.875%
HK$197,161
−HK$5,225/mo
Today · 4.125%
HK$202,386
baseline
▲ 0.50% · 4.625%
HK$213,054
+HK$10,668/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$404,772/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,164 · Scale 2, in force from 26 Feb 2026)