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$96,524
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,526
−HK$3,051/mo
Today · 4.125%
HK$102,577
baseline
▲ 0.50% · 4.625%
HK$108,818
+HK$6,241/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$205,154/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,799,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,382
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,262
−HK$2,921/mo
Today · 4.125%
HK$113,183
baseline
▲ 0.50% · 4.625%
HK$119,149
+HK$5,966/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$226,366/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,799,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,828
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$119,431
−HK$3,661/mo
Today · 4.125%
HK$123,092
baseline
▲ 0.50% · 4.625%
HK$130,582
+HK$7,490/mo
Deposit HK$16.93M · loan HK$25.40M · min. income ≈ HK$246,184/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,799,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,858
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$132,314
−HK$3,506/mo
Today · 4.125%
HK$135,820
baseline
▲ 0.50% · 4.625%
HK$142,979
+HK$7,159/mo
Deposit HK$16.93M · loan HK$25.40M · min. income ≈ HK$271,640/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,799,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,133
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$139,337
−HK$4,270/mo
Today · 4.125%
HK$143,607
baseline
▲ 0.50% · 4.625%
HK$152,345
+HK$8,738/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$287,214/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,334
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$154,366
−HK$4,090/mo
Today · 4.125%
HK$158,456
baseline
▲ 0.50% · 4.625%
HK$166,809
+HK$8,353/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$316,912/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,743
−HK$10,895/mo
▼ 0.25% · 3.875%
HK$179,147
−HK$5,491/mo
Today · 4.125%
HK$184,638
baseline
▲ 0.50% · 4.625%
HK$195,873
+HK$11,235/mo
Deposit HK$4.23M · loan HK$38.10M · min. income ≈ HK$369,276/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,287
−HK$10,443/mo
▼ 0.25% · 3.875%
HK$198,471
−HK$5,259/mo
Today · 4.125%
HK$203,730
baseline
▲ 0.50% · 4.625%
HK$214,469
+HK$10,739/mo
Deposit HK$4.23M · loan HK$38.10M · min. income ≈ HK$407,460/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,034 · Scale 2, in force from 26 Feb 2026)