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$96,613
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,618
−HK$3,053/mo
Today · 4.125%
HK$102,671
baseline
▲ 0.50% · 4.625%
HK$108,919
+HK$6,248/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$205,342/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$1,800,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,481
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,364
−HK$2,924/mo
Today · 4.125%
HK$113,288
baseline
▲ 0.50% · 4.625%
HK$119,259
+HK$5,971/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$226,576/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$1,800,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,936
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$119,542
−HK$3,664/mo
Today · 4.125%
HK$123,206
baseline
▲ 0.50% · 4.625%
HK$130,703
+HK$7,497/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$246,412/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,977
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,436
−HK$3,509/mo
Today · 4.125%
HK$135,945
baseline
▲ 0.50% · 4.625%
HK$143,111
+HK$7,166/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$271,890/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,258
−HK$8,482/mo
▼ 0.25% · 3.875%
HK$139,465
−HK$4,275/mo
Today · 4.125%
HK$143,740
baseline
▲ 0.50% · 4.625%
HK$152,486
+HK$8,746/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$287,480/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,473
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$154,509
−HK$4,094/mo
Today · 4.125%
HK$158,603
baseline
▲ 0.50% · 4.625%
HK$166,963
+HK$8,360/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$317,206/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,903
−HK$10,906/mo
▼ 0.25% · 3.875%
HK$179,313
−HK$5,496/mo
Today · 4.125%
HK$184,809
baseline
▲ 0.50% · 4.625%
HK$196,054
+HK$11,245/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$369,618/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,466
−HK$10,452/mo
▼ 0.25% · 3.875%
HK$198,654
−HK$5,264/mo
Today · 4.125%
HK$203,918
baseline
▲ 0.50% · 4.625%
HK$214,667
+HK$10,749/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$407,836/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,698 · Scale 2, in force from 26 Feb 2026)