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$96,432
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,432
−HK$3,047/mo
Today · 4.125%
HK$102,479
baseline
▲ 0.50% · 4.625%
HK$108,715
+HK$6,236/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,958/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,280
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,157
−HK$2,919/mo
Today · 4.125%
HK$113,076
baseline
▲ 0.50% · 4.625%
HK$119,036
+HK$5,960/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,152/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,718
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$119,318
−HK$3,657/mo
Today · 4.125%
HK$122,975
baseline
▲ 0.50% · 4.625%
HK$130,458
+HK$7,483/mo
Deposit HK$16.92M · loan HK$25.37M · min. income ≈ HK$245,950/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,736
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,188
−HK$3,503/mo
Today · 4.125%
HK$135,691
baseline
▲ 0.50% · 4.625%
HK$142,843
+HK$7,152/mo
Deposit HK$16.92M · loan HK$25.37M · min. income ≈ HK$271,382/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,005
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$139,204
−HK$4,267/mo
Today · 4.125%
HK$143,471
baseline
▲ 0.50% · 4.625%
HK$152,201
+HK$8,730/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$286,942/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,192
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,220
−HK$4,086/mo
Today · 4.125%
HK$158,306
baseline
▲ 0.50% · 4.625%
HK$166,650
+HK$8,344/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$316,612/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,578
−HK$10,885/mo
▼ 0.25% · 3.875%
HK$178,977
−HK$5,486/mo
Today · 4.125%
HK$184,463
baseline
▲ 0.50% · 4.625%
HK$195,687
+HK$11,224/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$368,926/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,103
−HK$10,433/mo
▼ 0.25% · 3.875%
HK$198,282
−HK$5,254/mo
Today · 4.125%
HK$203,536
baseline
▲ 0.50% · 4.625%
HK$214,265
+HK$10,729/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$407,072/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,326 · Scale 2, in force from 26 Feb 2026)