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$96,191
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,183
−HK$3,040/mo
Today · 4.125%
HK$102,223
baseline
▲ 0.50% · 4.625%
HK$108,443
+HK$6,220/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$204,446/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,792,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,012
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,882
−HK$2,911/mo
Today · 4.125%
HK$112,793
baseline
▲ 0.50% · 4.625%
HK$118,739
+HK$5,946/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$225,586/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,792,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,430
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,020
−HK$3,648/mo
Today · 4.125%
HK$122,668
baseline
▲ 0.50% · 4.625%
HK$130,132
+HK$7,464/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$245,336/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,792,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,414
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$131,858
−HK$3,494/mo
Today · 4.125%
HK$135,352
baseline
▲ 0.50% · 4.625%
HK$142,487
+HK$7,135/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$270,704/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,792,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,668
−HK$8,445/mo
▼ 0.25% · 3.875%
HK$138,857
−HK$4,256/mo
Today · 4.125%
HK$143,113
baseline
▲ 0.50% · 4.625%
HK$151,821
+HK$8,708/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$286,226/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,817
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,835
−HK$4,076/mo
Today · 4.125%
HK$157,911
baseline
▲ 0.50% · 4.625%
HK$166,234
+HK$8,323/mo
Deposit HK$12.66M · loan HK$29.53M · min. income ≈ HK$315,822/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,144
−HK$10,858/mo
▼ 0.25% · 3.875%
HK$178,530
−HK$5,472/mo
Today · 4.125%
HK$184,002
baseline
▲ 0.50% · 4.625%
HK$195,198
+HK$11,196/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$368,004/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,621
−HK$10,407/mo
▼ 0.25% · 3.875%
HK$197,787
−HK$5,241/mo
Today · 4.125%
HK$203,028
baseline
▲ 0.50% · 4.625%
HK$213,730
+HK$10,702/mo
Deposit HK$4.22M · loan HK$37.97M · min. income ≈ HK$406,056/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,838 · Scale 2, in force from 26 Feb 2026)