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$95,803
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,783
−HK$3,028/mo
Today · 4.125%
HK$101,811
baseline
▲ 0.50% · 4.625%
HK$108,006
+HK$6,195/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,622/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,580
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,438
−HK$2,900/mo
Today · 4.125%
HK$112,338
baseline
▲ 0.50% · 4.625%
HK$118,260
+HK$5,922/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,676/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,964
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$118,540
−HK$3,633/mo
Today · 4.125%
HK$122,173
baseline
▲ 0.50% · 4.625%
HK$129,607
+HK$7,434/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$244,346/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,896
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$131,326
−HK$3,480/mo
Today · 4.125%
HK$134,806
baseline
▲ 0.50% · 4.625%
HK$141,912
+HK$7,106/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$269,612/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,124
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$138,296
−HK$4,239/mo
Today · 4.125%
HK$142,535
baseline
▲ 0.50% · 4.625%
HK$151,208
+HK$8,673/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$285,070/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,212
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$153,214
−HK$4,059/mo
Today · 4.125%
HK$157,273
baseline
▲ 0.50% · 4.625%
HK$165,563
+HK$8,290/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$314,546/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,445
−HK$10,814/mo
▼ 0.25% · 3.875%
HK$177,810
−HK$5,449/mo
Today · 4.125%
HK$183,259
baseline
▲ 0.50% · 4.625%
HK$194,410
+HK$11,151/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$366,518/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,844
−HK$10,365/mo
▼ 0.25% · 3.875%
HK$196,989
−HK$5,220/mo
Today · 4.125%
HK$202,209
baseline
▲ 0.50% · 4.625%
HK$212,867
+HK$10,658/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$404,418/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,602 · Scale 2, in force from 26 Feb 2026)