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$95,968
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,953
−HK$3,033/mo
Today · 4.125%
HK$101,986
baseline
▲ 0.50% · 4.625%
HK$108,192
+HK$6,206/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,972/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,763
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,627
−HK$2,905/mo
Today · 4.125%
HK$112,532
baseline
▲ 0.50% · 4.625%
HK$118,463
+HK$5,931/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$225,064/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,162
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$118,744
−HK$3,639/mo
Today · 4.125%
HK$122,383
baseline
▲ 0.50% · 4.625%
HK$129,830
+HK$7,447/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$244,766/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,116
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,552
−HK$3,486/mo
Today · 4.125%
HK$135,038
baseline
▲ 0.50% · 4.625%
HK$142,156
+HK$7,118/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$270,076/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,355
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$138,534
−HK$4,246/mo
Today · 4.125%
HK$142,780
baseline
▲ 0.50% · 4.625%
HK$151,468
+HK$8,688/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$285,560/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,469
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$153,477
−HK$4,067/mo
Today · 4.125%
HK$157,544
baseline
▲ 0.50% · 4.625%
HK$165,848
+HK$8,304/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$315,088/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,742
−HK$10,833/mo
▼ 0.25% · 3.875%
HK$178,116
−HK$5,459/mo
Today · 4.125%
HK$183,575
baseline
▲ 0.50% · 4.625%
HK$194,745
+HK$11,170/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$367,150/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,174
−HK$10,383/mo
▼ 0.25% · 3.875%
HK$197,328
−HK$5,229/mo
Today · 4.125%
HK$202,557
baseline
▲ 0.50% · 4.625%
HK$213,234
+HK$10,677/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$405,114/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,676 · Scale 2, in force from 26 Feb 2026)