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$96,864
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,877
−HK$3,061/mo
Today · 4.125%
HK$102,938
baseline
▲ 0.50% · 4.625%
HK$109,202
+HK$6,264/mo
Deposit HK$21.24M · loan HK$21.24M · min. income ≈ HK$205,876/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$1,805,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,760
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,650
−HK$2,932/mo
Today · 4.125%
HK$113,582
baseline
▲ 0.50% · 4.625%
HK$119,569
+HK$5,987/mo
Deposit HK$21.24M · loan HK$21.24M · min. income ≈ HK$227,164/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$1,805,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,237
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,853
−HK$3,673/mo
Today · 4.125%
HK$123,526
baseline
▲ 0.50% · 4.625%
HK$131,042
+HK$7,516/mo
Deposit HK$16.99M · loan HK$25.49M · min. income ≈ HK$247,052/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,805,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,312
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$132,781
−HK$3,518/mo
Today · 4.125%
HK$136,299
baseline
▲ 0.50% · 4.625%
HK$143,483
+HK$7,184/mo
Deposit HK$16.99M · loan HK$25.49M · min. income ≈ HK$272,598/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,805,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,610
−HK$8,504/mo
▼ 0.25% · 3.875%
HK$139,828
−HK$4,286/mo
Today · 4.125%
HK$144,114
baseline
▲ 0.50% · 4.625%
HK$152,883
+HK$8,769/mo
Deposit HK$12.74M · loan HK$29.74M · min. income ≈ HK$288,228/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,865
−HK$8,150/mo
▼ 0.25% · 3.875%
HK$154,911
−HK$4,104/mo
Today · 4.125%
HK$159,015
baseline
▲ 0.50% · 4.625%
HK$167,397
+HK$8,382/mo
Deposit HK$12.74M · loan HK$29.74M · min. income ≈ HK$318,030/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,355
−HK$10,934/mo
▼ 0.25% · 3.875%
HK$179,779
−HK$5,510/mo
Today · 4.125%
HK$185,289
baseline
▲ 0.50% · 4.625%
HK$196,563
+HK$11,274/mo
Deposit HK$4.25M · loan HK$38.23M · min. income ≈ HK$370,578/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,805,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,969
−HK$10,479/mo
▼ 0.25% · 3.875%
HK$199,171
−HK$5,277/mo
Today · 4.125%
HK$204,448
baseline
▲ 0.50% · 4.625%
HK$215,225
+HK$10,777/mo
Deposit HK$4.25M · loan HK$38.23M · min. income ≈ HK$408,896/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,805,379 · Scale 2, in force from 26 Feb 2026)