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$97,308
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,335
−HK$3,075/mo
Today · 4.125%
HK$103,410
baseline
▲ 0.50% · 4.625%
HK$109,702
+HK$6,292/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$206,820/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,254
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,157
−HK$2,946/mo
Today · 4.125%
HK$114,103
baseline
▲ 0.50% · 4.625%
HK$120,117
+HK$6,014/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$228,206/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,770
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,402
−HK$3,690/mo
Today · 4.125%
HK$124,092
baseline
▲ 0.50% · 4.625%
HK$131,643
+HK$7,551/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$248,184/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,905
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,389
−HK$3,534/mo
Today · 4.125%
HK$136,923
baseline
▲ 0.50% · 4.625%
HK$144,141
+HK$7,218/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$273,846/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,231
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$140,469
−HK$4,305/mo
Today · 4.125%
HK$144,774
baseline
▲ 0.50% · 4.625%
HK$153,583
+HK$8,809/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$289,548/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,813,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,556
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$155,620
−HK$4,124/mo
Today · 4.125%
HK$159,744
baseline
▲ 0.50% · 4.625%
HK$168,164
+HK$8,420/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$319,488/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,813,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,154
−HK$10,984/mo
▼ 0.25% · 3.875%
HK$180,603
−HK$5,535/mo
Today · 4.125%
HK$186,138
baseline
▲ 0.50% · 4.625%
HK$197,464
+HK$11,326/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$372,276/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,857
−HK$10,528/mo
▼ 0.25% · 3.875%
HK$200,083
−HK$5,302/mo
Today · 4.125%
HK$205,385
baseline
▲ 0.50% · 4.625%
HK$216,211
+HK$10,826/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$410,770/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,651 · Scale 2, in force from 26 Feb 2026)