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$95,832
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,813
−HK$3,029/mo
Today · 4.125%
HK$101,842
baseline
▲ 0.50% · 4.625%
HK$108,039
+HK$6,197/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,684/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,612
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,472
−HK$2,900/mo
Today · 4.125%
HK$112,372
baseline
▲ 0.50% · 4.625%
HK$118,296
+HK$5,924/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,744/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,999
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,576
−HK$3,634/mo
Today · 4.125%
HK$122,210
baseline
▲ 0.50% · 4.625%
HK$129,646
+HK$7,436/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$244,420/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,935
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,366
−HK$3,481/mo
Today · 4.125%
HK$134,847
baseline
▲ 0.50% · 4.625%
HK$141,955
+HK$7,108/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$269,694/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,165
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,338
−HK$4,240/mo
Today · 4.125%
HK$142,578
baseline
▲ 0.50% · 4.625%
HK$151,254
+HK$8,676/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,156/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,786,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,257
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,260
−HK$4,061/mo
Today · 4.125%
HK$157,321
baseline
▲ 0.50% · 4.625%
HK$165,614
+HK$8,293/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,642/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,786,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,498
−HK$10,817/mo
▼ 0.25% · 3.875%
HK$177,864
−HK$5,451/mo
Today · 4.125%
HK$183,315
baseline
▲ 0.50% · 4.625%
HK$194,469
+HK$11,154/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$366,630/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,902
−HK$10,368/mo
▼ 0.25% · 3.875%
HK$197,049
−HK$5,221/mo
Today · 4.125%
HK$202,270
baseline
▲ 0.50% · 4.625%
HK$212,932
+HK$10,662/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$404,540/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,145 · Scale 2, in force from 26 Feb 2026)