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$95,976
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,962
−HK$3,033/mo
Today · 4.125%
HK$101,995
baseline
▲ 0.50% · 4.625%
HK$108,201
+HK$6,206/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$203,990/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,773
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,636
−HK$2,905/mo
Today · 4.125%
HK$112,541
baseline
▲ 0.50% · 4.625%
HK$118,474
+HK$5,933/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$225,082/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,172
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,754
−HK$3,640/mo
Today · 4.125%
HK$122,394
baseline
▲ 0.50% · 4.625%
HK$129,841
+HK$7,447/mo
Deposit HK$16.84M · loan HK$25.25M · min. income ≈ HK$244,788/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,127
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,564
−HK$3,486/mo
Today · 4.125%
HK$135,050
baseline
▲ 0.50% · 4.625%
HK$142,168
+HK$7,118/mo
Deposit HK$16.84M · loan HK$25.25M · min. income ≈ HK$270,100/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,367
−HK$8,426/mo
▼ 0.25% · 3.875%
HK$138,547
−HK$4,246/mo
Today · 4.125%
HK$142,793
baseline
▲ 0.50% · 4.625%
HK$151,482
+HK$8,689/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$285,586/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,482
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$153,491
−HK$4,067/mo
Today · 4.125%
HK$157,558
baseline
▲ 0.50% · 4.625%
HK$165,863
+HK$8,305/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$315,116/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,757
−HK$10,834/mo
▼ 0.25% · 3.875%
HK$178,131
−HK$5,460/mo
Today · 4.125%
HK$183,591
baseline
▲ 0.50% · 4.625%
HK$194,762
+HK$11,171/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$367,182/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,191
−HK$10,383/mo
▼ 0.25% · 3.875%
HK$197,345
−HK$5,229/mo
Today · 4.125%
HK$202,574
baseline
▲ 0.50% · 4.625%
HK$213,252
+HK$10,678/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$405,148/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,833 · Scale 2, in force from 26 Feb 2026)