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$96,207
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,200
−HK$3,040/mo
Today · 4.125%
HK$102,240
baseline
▲ 0.50% · 4.625%
HK$108,461
+HK$6,221/mo
Deposit HK$21.10M · loan HK$21.10M · min. income ≈ HK$204,480/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,793,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,030
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,900
−HK$2,912/mo
Today · 4.125%
HK$112,812
baseline
▲ 0.50% · 4.625%
HK$118,758
+HK$5,946/mo
Deposit HK$21.10M · loan HK$21.10M · min. income ≈ HK$225,624/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,793,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,449
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,040
−HK$3,648/mo
Today · 4.125%
HK$122,688
baseline
▲ 0.50% · 4.625%
HK$130,154
+HK$7,466/mo
Deposit HK$16.88M · loan HK$25.31M · min. income ≈ HK$245,376/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,793,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,435
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,880
−HK$3,494/mo
Today · 4.125%
HK$135,374
baseline
▲ 0.50% · 4.625%
HK$142,510
+HK$7,136/mo
Deposit HK$16.88M · loan HK$25.31M · min. income ≈ HK$270,748/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,793,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,690
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$138,880
−HK$4,256/mo
Today · 4.125%
HK$143,136
baseline
▲ 0.50% · 4.625%
HK$151,846
+HK$8,710/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$286,272/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,841
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,860
−HK$4,077/mo
Today · 4.125%
HK$157,937
baseline
▲ 0.50% · 4.625%
HK$166,262
+HK$8,325/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$315,874/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,173
−HK$10,859/mo
▼ 0.25% · 3.875%
HK$178,560
−HK$5,472/mo
Today · 4.125%
HK$184,032
baseline
▲ 0.50% · 4.625%
HK$195,230
+HK$11,198/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$368,064/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,653
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$197,820
−HK$5,242/mo
Today · 4.125%
HK$203,062
baseline
▲ 0.50% · 4.625%
HK$213,765
+HK$10,703/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$406,124/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,134 · Scale 2, in force from 26 Feb 2026)