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$96,042
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,030
−HK$3,035/mo
Today · 4.125%
HK$102,065
baseline
▲ 0.50% · 4.625%
HK$108,275
+HK$6,210/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$204,130/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,846
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,712
−HK$2,907/mo
Today · 4.125%
HK$112,619
baseline
▲ 0.50% · 4.625%
HK$118,555
+HK$5,936/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$225,238/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,251
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$118,836
−HK$3,642/mo
Today · 4.125%
HK$122,478
baseline
▲ 0.50% · 4.625%
HK$129,931
+HK$7,453/mo
Deposit HK$16.85M · loan HK$25.27M · min. income ≈ HK$244,956/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,215
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$131,654
−HK$3,488/mo
Today · 4.125%
HK$135,142
baseline
▲ 0.50% · 4.625%
HK$142,266
+HK$7,124/mo
Deposit HK$16.85M · loan HK$25.27M · min. income ≈ HK$270,284/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,459
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,642
−HK$4,249/mo
Today · 4.125%
HK$142,891
baseline
▲ 0.50% · 4.625%
HK$151,586
+HK$8,695/mo
Deposit HK$12.64M · loan HK$29.48M · min. income ≈ HK$285,782/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,585
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$153,596
−HK$4,070/mo
Today · 4.125%
HK$157,666
baseline
▲ 0.50% · 4.625%
HK$165,977
+HK$8,311/mo
Deposit HK$12.64M · loan HK$29.48M · min. income ≈ HK$315,332/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,876
−HK$10,841/mo
▼ 0.25% · 3.875%
HK$178,254
−HK$5,463/mo
Today · 4.125%
HK$183,717
baseline
▲ 0.50% · 4.625%
HK$194,896
+HK$11,179/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$367,434/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,323
−HK$10,391/mo
▼ 0.25% · 3.875%
HK$197,481
−HK$5,233/mo
Today · 4.125%
HK$202,714
baseline
▲ 0.50% · 4.625%
HK$213,399
+HK$10,685/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$405,428/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,062 · Scale 2, in force from 26 Feb 2026)