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$96,463
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,463
−HK$3,049/mo
Today · 4.125%
HK$102,512
baseline
▲ 0.50% · 4.625%
HK$108,749
+HK$6,237/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$205,024/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,314
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,192
−HK$2,919/mo
Today · 4.125%
HK$113,111
baseline
▲ 0.50% · 4.625%
HK$119,074
+HK$5,963/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$226,222/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,755
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,356
−HK$3,658/mo
Today · 4.125%
HK$123,014
baseline
▲ 0.50% · 4.625%
HK$130,499
+HK$7,485/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$246,028/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,776
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,230
−HK$3,504/mo
Today · 4.125%
HK$135,734
baseline
▲ 0.50% · 4.625%
HK$142,888
+HK$7,154/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$271,468/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,048
−HK$8,468/mo
▼ 0.25% · 3.875%
HK$139,248
−HK$4,268/mo
Today · 4.125%
HK$143,516
baseline
▲ 0.50% · 4.625%
HK$152,249
+HK$8,733/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$287,032/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,239
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$154,268
−HK$4,088/mo
Today · 4.125%
HK$158,356
baseline
▲ 0.50% · 4.625%
HK$166,703
+HK$8,347/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$316,712/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,633
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$179,034
−HK$5,487/mo
Today · 4.125%
HK$184,521
baseline
▲ 0.50% · 4.625%
HK$195,749
+HK$11,228/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$369,042/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,164
−HK$10,437/mo
▼ 0.25% · 3.875%
HK$198,345
−HK$5,256/mo
Today · 4.125%
HK$203,601
baseline
▲ 0.50% · 4.625%
HK$214,333
+HK$10,732/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$407,202/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,894 · Scale 2, in force from 26 Feb 2026)