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$96,662
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,668
−HK$3,055/mo
Today · 4.125%
HK$102,723
baseline
▲ 0.50% · 4.625%
HK$108,974
+HK$6,251/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$205,446/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,801,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,535
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$110,419
−HK$2,926/mo
Today · 4.125%
HK$113,345
baseline
▲ 0.50% · 4.625%
HK$119,320
+HK$5,975/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$226,690/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,801,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,994
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,602
−HK$3,666/mo
Today · 4.125%
HK$123,268
baseline
▲ 0.50% · 4.625%
HK$130,768
+HK$7,500/mo
Deposit HK$16.96M · loan HK$25.43M · min. income ≈ HK$246,536/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,801,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,042
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$132,503
−HK$3,511/mo
Today · 4.125%
HK$136,014
baseline
▲ 0.50% · 4.625%
HK$143,183
+HK$7,169/mo
Deposit HK$16.96M · loan HK$25.43M · min. income ≈ HK$272,028/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,801,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,326
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$139,536
−HK$4,277/mo
Today · 4.125%
HK$143,813
baseline
▲ 0.50% · 4.625%
HK$152,563
+HK$8,750/mo
Deposit HK$12.72M · loan HK$29.67M · min. income ≈ HK$287,626/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,801,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,549
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$154,587
−HK$4,096/mo
Today · 4.125%
HK$158,683
baseline
▲ 0.50% · 4.625%
HK$167,047
+HK$8,364/mo
Deposit HK$12.72M · loan HK$29.67M · min. income ≈ HK$317,366/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,801,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,991
−HK$10,911/mo
▼ 0.25% · 3.875%
HK$179,403
−HK$5,499/mo
Today · 4.125%
HK$184,902
baseline
▲ 0.50% · 4.625%
HK$196,153
+HK$11,251/mo
Deposit HK$4.24M · loan HK$38.15M · min. income ≈ HK$369,804/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,801,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,563
−HK$10,458/mo
▼ 0.25% · 3.875%
HK$198,755
−HK$5,266/mo
Today · 4.125%
HK$204,021
baseline
▲ 0.50% · 4.625%
HK$214,775
+HK$10,754/mo
Deposit HK$4.24M · loan HK$38.15M · min. income ≈ HK$408,042/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,801,606 · Scale 2, in force from 26 Feb 2026)