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$96,406
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,405
−HK$3,046/mo
Today · 4.125%
HK$102,451
baseline
▲ 0.50% · 4.625%
HK$108,685
+HK$6,234/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,902/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,796,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,250
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,127
−HK$2,918/mo
Today · 4.125%
HK$113,045
baseline
▲ 0.50% · 4.625%
HK$119,004
+HK$5,959/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,090/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,796,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,687
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,285
−HK$3,657/mo
Today · 4.125%
HK$122,942
baseline
▲ 0.50% · 4.625%
HK$130,422
+HK$7,480/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$245,884/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,701
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,152
−HK$3,502/mo
Today · 4.125%
HK$135,654
baseline
▲ 0.50% · 4.625%
HK$142,804
+HK$7,150/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$271,308/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,796,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,968
−HK$8,464/mo
▼ 0.25% · 3.875%
HK$139,166
−HK$4,266/mo
Today · 4.125%
HK$143,432
baseline
▲ 0.50% · 4.625%
HK$152,159
+HK$8,727/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,864/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,151
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$154,178
−HK$4,085/mo
Today · 4.125%
HK$158,263
baseline
▲ 0.50% · 4.625%
HK$166,605
+HK$8,342/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,526/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,530
−HK$10,882/mo
▼ 0.25% · 3.875%
HK$178,928
−HK$5,484/mo
Today · 4.125%
HK$184,412
baseline
▲ 0.50% · 4.625%
HK$195,633
+HK$11,221/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$368,824/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,051
−HK$10,430/mo
▼ 0.25% · 3.875%
HK$198,228
−HK$5,253/mo
Today · 4.125%
HK$203,481
baseline
▲ 0.50% · 4.625%
HK$214,207
+HK$10,726/mo
Deposit HK$4.23M · loan HK$38.05M · min. income ≈ HK$406,962/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,836 · Scale 2, in force from 26 Feb 2026)