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$95,931
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,915
−HK$3,032/mo
Today · 4.125%
HK$101,947
baseline
▲ 0.50% · 4.625%
HK$108,150
+HK$6,203/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,894/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,723
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,585
−HK$2,904/mo
Today · 4.125%
HK$112,489
baseline
▲ 0.50% · 4.625%
HK$118,418
+HK$5,929/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$224,978/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,118
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$118,698
−HK$3,639/mo
Today · 4.125%
HK$122,337
baseline
▲ 0.50% · 4.625%
HK$129,780
+HK$7,443/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,674/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,787,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,067
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,502
−HK$3,484/mo
Today · 4.125%
HK$134,986
baseline
▲ 0.50% · 4.625%
HK$142,102
+HK$7,116/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,972/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,787,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,304
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,482
−HK$4,244/mo
Today · 4.125%
HK$142,726
baseline
▲ 0.50% · 4.625%
HK$151,410
+HK$8,684/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,452/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,412
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$153,419
−HK$4,065/mo
Today · 4.125%
HK$157,484
baseline
▲ 0.50% · 4.625%
HK$165,785
+HK$8,301/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$314,968/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,676
−HK$10,829/mo
▼ 0.25% · 3.875%
HK$178,048
−HK$5,457/mo
Today · 4.125%
HK$183,505
baseline
▲ 0.50% · 4.625%
HK$194,671
+HK$11,166/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$367,010/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,787,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,101
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$197,253
−HK$5,226/mo
Today · 4.125%
HK$202,479
baseline
▲ 0.50% · 4.625%
HK$213,152
+HK$10,673/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,958/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,787,993 · Scale 2, in force from 26 Feb 2026)