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$96,396
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,394
−HK$3,046/mo
Today · 4.125%
HK$102,440
baseline
▲ 0.50% · 4.625%
HK$108,674
+HK$6,234/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,880/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,239
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,115
−HK$2,918/mo
Today · 4.125%
HK$113,033
baseline
▲ 0.50% · 4.625%
HK$118,991
+HK$5,958/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,066/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,675
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,273
−HK$3,656/mo
Today · 4.125%
HK$122,929
baseline
▲ 0.50% · 4.625%
HK$130,408
+HK$7,479/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$245,858/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,687
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,138
−HK$3,502/mo
Today · 4.125%
HK$135,640
baseline
▲ 0.50% · 4.625%
HK$142,789
+HK$7,149/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$271,280/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,954
−HK$8,463/mo
▼ 0.25% · 3.875%
HK$139,152
−HK$4,265/mo
Today · 4.125%
HK$143,417
baseline
▲ 0.50% · 4.625%
HK$152,143
+HK$8,726/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,834/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,135
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$154,161
−HK$4,085/mo
Today · 4.125%
HK$158,246
baseline
▲ 0.50% · 4.625%
HK$166,588
+HK$8,342/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,492/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,512
−HK$10,881/mo
▼ 0.25% · 3.875%
HK$178,909
−HK$5,484/mo
Today · 4.125%
HK$184,393
baseline
▲ 0.50% · 4.625%
HK$195,613
+HK$11,220/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$368,786/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,030
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$198,207
−HK$5,252/mo
Today · 4.125%
HK$203,459
baseline
▲ 0.50% · 4.625%
HK$214,184
+HK$10,725/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$406,918/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,646 · Scale 2, in force from 26 Feb 2026)