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$96,360
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,357
−HK$3,046/mo
Today · 4.125%
HK$102,403
baseline
▲ 0.50% · 4.625%
HK$108,634
+HK$6,231/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,806/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,795,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,200
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,075
−HK$2,916/mo
Today · 4.125%
HK$112,991
baseline
▲ 0.50% · 4.625%
HK$118,947
+HK$5,956/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$225,982/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,795,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,632
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,229
−HK$3,654/mo
Today · 4.125%
HK$122,883
baseline
▲ 0.50% · 4.625%
HK$130,360
+HK$7,477/mo
Deposit HK$16.90M · loan HK$25.36M · min. income ≈ HK$245,766/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,639
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,089
−HK$3,500/mo
Today · 4.125%
HK$135,589
baseline
▲ 0.50% · 4.625%
HK$142,736
+HK$7,147/mo
Deposit HK$16.90M · loan HK$25.36M · min. income ≈ HK$271,178/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,904
−HK$8,460/mo
▼ 0.25% · 3.875%
HK$139,100
−HK$4,264/mo
Today · 4.125%
HK$143,364
baseline
▲ 0.50% · 4.625%
HK$152,087
+HK$8,723/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$286,728/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,079
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,104
−HK$4,084/mo
Today · 4.125%
HK$158,188
baseline
▲ 0.50% · 4.625%
HK$166,526
+HK$8,338/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$316,376/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,448
−HK$10,877/mo
▼ 0.25% · 3.875%
HK$178,843
−HK$5,482/mo
Today · 4.125%
HK$184,325
baseline
▲ 0.50% · 4.625%
HK$195,540
+HK$11,215/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$368,650/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,959
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$198,134
−HK$5,250/mo
Today · 4.125%
HK$203,384
baseline
▲ 0.50% · 4.625%
HK$214,105
+HK$10,721/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$406,768/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,982 · Scale 2, in force from 26 Feb 2026)