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$96,412
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,411
−HK$3,047/mo
Today · 4.125%
HK$102,458
baseline
▲ 0.50% · 4.625%
HK$108,692
+HK$6,234/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,916/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,796,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,257
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,134
−HK$2,918/mo
Today · 4.125%
HK$113,052
baseline
▲ 0.50% · 4.625%
HK$119,011
+HK$5,959/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,104/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,796,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,694
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,293
−HK$3,656/mo
Today · 4.125%
HK$122,949
baseline
▲ 0.50% · 4.625%
HK$130,431
+HK$7,482/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$245,898/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,709
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,161
−HK$3,502/mo
Today · 4.125%
HK$135,663
baseline
▲ 0.50% · 4.625%
HK$142,814
+HK$7,151/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$271,326/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,977
−HK$8,464/mo
▼ 0.25% · 3.875%
HK$139,175
−HK$4,266/mo
Today · 4.125%
HK$143,441
baseline
▲ 0.50% · 4.625%
HK$152,169
+HK$8,728/mo
Deposit HK$12.68M · loan HK$29.60M · min. income ≈ HK$286,882/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,160
−HK$8,113/mo
▼ 0.25% · 3.875%
HK$154,188
−HK$4,085/mo
Today · 4.125%
HK$158,273
baseline
▲ 0.50% · 4.625%
HK$166,616
+HK$8,343/mo
Deposit HK$12.68M · loan HK$29.60M · min. income ≈ HK$316,546/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,542
−HK$10,882/mo
▼ 0.25% · 3.875%
HK$178,940
−HK$5,484/mo
Today · 4.125%
HK$184,424
baseline
▲ 0.50% · 4.625%
HK$195,646
+HK$11,222/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$368,848/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,796,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,063
−HK$10,431/mo
▼ 0.25% · 3.875%
HK$198,241
−HK$5,253/mo
Today · 4.125%
HK$203,494
baseline
▲ 0.50% · 4.625%
HK$214,220
+HK$10,726/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$406,988/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,796,952 · Scale 2, in force from 26 Feb 2026)