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$97,004
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,021
−HK$3,066/mo
Today · 4.125%
HK$103,087
baseline
▲ 0.50% · 4.625%
HK$109,359
+HK$6,272/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$206,174/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,916
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,810
−HK$2,936/mo
Today · 4.125%
HK$113,746
baseline
▲ 0.50% · 4.625%
HK$119,742
+HK$5,996/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$227,492/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,404
−HK$7,300/mo
▼ 0.25% · 3.875%
HK$120,025
−HK$3,679/mo
Today · 4.125%
HK$123,704
baseline
▲ 0.50% · 4.625%
HK$131,231
+HK$7,527/mo
Deposit HK$17.02M · loan HK$25.52M · min. income ≈ HK$247,408/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,499
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$132,972
−HK$3,523/mo
Today · 4.125%
HK$136,495
baseline
▲ 0.50% · 4.625%
HK$143,690
+HK$7,195/mo
Deposit HK$17.02M · loan HK$25.52M · min. income ≈ HK$272,990/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,805
−HK$8,516/mo
▼ 0.25% · 3.875%
HK$140,030
−HK$4,291/mo
Today · 4.125%
HK$144,321
baseline
▲ 0.50% · 4.625%
HK$153,103
+HK$8,782/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$288,642/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,082
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$155,134
−HK$4,110/mo
Today · 4.125%
HK$159,244
baseline
▲ 0.50% · 4.625%
HK$167,638
+HK$8,394/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$318,488/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,607
−HK$10,949/mo
▼ 0.25% · 3.875%
HK$180,038
−HK$5,518/mo
Today · 4.125%
HK$185,556
baseline
▲ 0.50% · 4.625%
HK$196,847
+HK$11,291/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$371,112/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,248
−HK$10,495/mo
▼ 0.25% · 3.875%
HK$199,458
−HK$5,285/mo
Today · 4.125%
HK$204,743
baseline
▲ 0.50% · 4.625%
HK$215,535
+HK$10,792/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$409,486/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,980 · Scale 2, in force from 26 Feb 2026)