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$96,487
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,488
−HK$3,049/mo
Today · 4.125%
HK$102,537
baseline
▲ 0.50% · 4.625%
HK$108,777
+HK$6,240/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$205,074/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,341
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,219
−HK$2,921/mo
Today · 4.125%
HK$113,140
baseline
▲ 0.50% · 4.625%
HK$119,104
+HK$5,964/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$226,280/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,784
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,386
−HK$3,659/mo
Today · 4.125%
HK$123,045
baseline
▲ 0.50% · 4.625%
HK$130,532
+HK$7,487/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$246,090/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,798,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,809
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,263
−HK$3,505/mo
Today · 4.125%
HK$135,768
baseline
▲ 0.50% · 4.625%
HK$142,924
+HK$7,156/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$271,536/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,798,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,082
−HK$8,470/mo
▼ 0.25% · 3.875%
HK$139,283
−HK$4,269/mo
Today · 4.125%
HK$143,552
baseline
▲ 0.50% · 4.625%
HK$152,287
+HK$8,735/mo
Deposit HK$12.69M · loan HK$29.62M · min. income ≈ HK$287,104/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,277
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$154,307
−HK$4,089/mo
Today · 4.125%
HK$158,396
baseline
▲ 0.50% · 4.625%
HK$166,745
+HK$8,349/mo
Deposit HK$12.69M · loan HK$29.62M · min. income ≈ HK$316,792/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,676
−HK$10,891/mo
▼ 0.25% · 3.875%
HK$179,079
−HK$5,488/mo
Today · 4.125%
HK$184,567
baseline
▲ 0.50% · 4.625%
HK$195,798
+HK$11,231/mo
Deposit HK$4.23M · loan HK$38.08M · min. income ≈ HK$369,134/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,213
−HK$10,439/mo
▼ 0.25% · 3.875%
HK$198,395
−HK$5,257/mo
Today · 4.125%
HK$203,652
baseline
▲ 0.50% · 4.625%
HK$214,387
+HK$10,735/mo
Deposit HK$4.23M · loan HK$38.08M · min. income ≈ HK$407,304/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,347 · Scale 2, in force from 26 Feb 2026)