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$96,184
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,176
−HK$3,040/mo
Today · 4.125%
HK$102,216
baseline
▲ 0.50% · 4.625%
HK$108,435
+HK$6,219/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$204,432/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,004
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,873
−HK$2,912/mo
Today · 4.125%
HK$112,785
baseline
▲ 0.50% · 4.625%
HK$118,730
+HK$5,945/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$225,570/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,421
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,011
−HK$3,648/mo
Today · 4.125%
HK$122,659
baseline
▲ 0.50% · 4.625%
HK$130,122
+HK$7,463/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$245,318/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,792,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,404
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$131,848
−HK$3,494/mo
Today · 4.125%
HK$135,342
baseline
▲ 0.50% · 4.625%
HK$142,476
+HK$7,134/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$270,684/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,792,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,658
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$138,846
−HK$4,256/mo
Today · 4.125%
HK$143,102
baseline
▲ 0.50% · 4.625%
HK$151,809
+HK$8,707/mo
Deposit HK$12.65M · loan HK$29.53M · min. income ≈ HK$286,204/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,805
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,823
−HK$4,076/mo
Today · 4.125%
HK$157,899
baseline
▲ 0.50% · 4.625%
HK$166,222
+HK$8,323/mo
Deposit HK$12.65M · loan HK$29.53M · min. income ≈ HK$315,798/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,131
−HK$10,857/mo
▼ 0.25% · 3.875%
HK$178,516
−HK$5,472/mo
Today · 4.125%
HK$183,988
baseline
▲ 0.50% · 4.625%
HK$195,183
+HK$11,195/mo
Deposit HK$4.22M · loan HK$37.96M · min. income ≈ HK$367,976/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,607
−HK$10,406/mo
▼ 0.25% · 3.875%
HK$197,772
−HK$5,241/mo
Today · 4.125%
HK$203,013
baseline
▲ 0.50% · 4.625%
HK$213,714
+HK$10,701/mo
Deposit HK$4.22M · loan HK$37.96M · min. income ≈ HK$406,026/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,702 · Scale 2, in force from 26 Feb 2026)