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$96,331
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,328
−HK$3,044/mo
Today · 4.125%
HK$102,372
baseline
▲ 0.50% · 4.625%
HK$108,601
+HK$6,229/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$204,744/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,167
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,042
−HK$2,915/mo
Today · 4.125%
HK$112,957
baseline
▲ 0.50% · 4.625%
HK$118,911
+HK$5,954/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$225,914/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,597
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,193
−HK$3,653/mo
Today · 4.125%
HK$122,846
baseline
▲ 0.50% · 4.625%
HK$130,321
+HK$7,475/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,692/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,601
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,050
−HK$3,499/mo
Today · 4.125%
HK$135,549
baseline
▲ 0.50% · 4.625%
HK$142,694
+HK$7,145/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,098/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,864
−HK$8,457/mo
▼ 0.25% · 3.875%
HK$139,059
−HK$4,262/mo
Today · 4.125%
HK$143,321
baseline
▲ 0.50% · 4.625%
HK$152,041
+HK$8,720/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$286,642/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,034
−HK$8,106/mo
▼ 0.25% · 3.875%
HK$154,058
−HK$4,082/mo
Today · 4.125%
HK$158,140
baseline
▲ 0.50% · 4.625%
HK$166,476
+HK$8,336/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$316,280/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,396
−HK$10,873/mo
▼ 0.25% · 3.875%
HK$178,790
−HK$5,479/mo
Today · 4.125%
HK$184,269
baseline
▲ 0.50% · 4.625%
HK$195,482
+HK$11,213/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$368,538/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,901
−HK$10,422/mo
▼ 0.25% · 3.875%
HK$198,075
−HK$5,248/mo
Today · 4.125%
HK$203,323
baseline
▲ 0.50% · 4.625%
HK$214,041
+HK$10,718/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$406,646/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,444 · Scale 2, in force from 26 Feb 2026)