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$96,045
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,033
−HK$3,035/mo
Today · 4.125%
HK$102,068
baseline
▲ 0.50% · 4.625%
HK$108,278
+HK$6,210/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$204,136/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,849
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,715
−HK$2,907/mo
Today · 4.125%
HK$112,622
baseline
▲ 0.50% · 4.625%
HK$118,558
+HK$5,936/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$225,244/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,254
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$118,839
−HK$3,642/mo
Today · 4.125%
HK$122,481
baseline
▲ 0.50% · 4.625%
HK$129,934
+HK$7,453/mo
Deposit HK$16.85M · loan HK$25.27M · min. income ≈ HK$244,962/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,219
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$131,658
−HK$3,488/mo
Today · 4.125%
HK$135,146
baseline
▲ 0.50% · 4.625%
HK$142,270
+HK$7,124/mo
Deposit HK$16.85M · loan HK$25.27M · min. income ≈ HK$270,292/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,463
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,646
−HK$4,249/mo
Today · 4.125%
HK$142,895
baseline
▲ 0.50% · 4.625%
HK$151,590
+HK$8,695/mo
Deposit HK$12.64M · loan HK$29.48M · min. income ≈ HK$285,790/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,589
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$153,601
−HK$4,070/mo
Today · 4.125%
HK$157,671
baseline
▲ 0.50% · 4.625%
HK$165,982
+HK$8,311/mo
Deposit HK$12.64M · loan HK$29.48M · min. income ≈ HK$315,342/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,881
−HK$10,841/mo
▼ 0.25% · 3.875%
HK$178,259
−HK$5,463/mo
Today · 4.125%
HK$183,722
baseline
▲ 0.50% · 4.625%
HK$194,901
+HK$11,179/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$367,444/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,328
−HK$10,391/mo
▼ 0.25% · 3.875%
HK$197,486
−HK$5,233/mo
Today · 4.125%
HK$202,719
baseline
▲ 0.50% · 4.625%
HK$213,405
+HK$10,686/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$405,438/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,111 · Scale 2, in force from 26 Feb 2026)