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$96,354
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,351
−HK$3,045/mo
Today · 4.125%
HK$102,396
baseline
▲ 0.50% · 4.625%
HK$108,627
+HK$6,231/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$204,792/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,193
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,068
−HK$2,916/mo
Today · 4.125%
HK$112,984
baseline
▲ 0.50% · 4.625%
HK$118,940
+HK$5,956/mo
Deposit HK$21.13M · loan HK$21.13M · min. income ≈ HK$225,968/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,625
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,222
−HK$3,654/mo
Today · 4.125%
HK$122,876
baseline
▲ 0.50% · 4.625%
HK$130,352
+HK$7,476/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,752/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,632
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,081
−HK$3,500/mo
Today · 4.125%
HK$135,581
baseline
▲ 0.50% · 4.625%
HK$142,728
+HK$7,147/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,162/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,795,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,896
−HK$8,459/mo
▼ 0.25% · 3.875%
HK$139,092
−HK$4,263/mo
Today · 4.125%
HK$143,355
baseline
▲ 0.50% · 4.625%
HK$152,078
+HK$8,723/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$286,710/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,070
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$154,095
−HK$4,083/mo
Today · 4.125%
HK$158,178
baseline
▲ 0.50% · 4.625%
HK$166,516
+HK$8,338/mo
Deposit HK$12.68M · loan HK$29.58M · min. income ≈ HK$316,356/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,437
−HK$10,876/mo
▼ 0.25% · 3.875%
HK$178,832
−HK$5,481/mo
Today · 4.125%
HK$184,313
baseline
▲ 0.50% · 4.625%
HK$195,529
+HK$11,216/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$368,626/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,947
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$198,122
−HK$5,250/mo
Today · 4.125%
HK$203,372
baseline
▲ 0.50% · 4.625%
HK$214,092
+HK$10,720/mo
Deposit HK$4.23M · loan HK$38.03M · min. income ≈ HK$406,744/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,873 · Scale 2, in force from 26 Feb 2026)