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$96,803
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,814
−HK$3,059/mo
Today · 4.125%
HK$102,873
baseline
▲ 0.50% · 4.625%
HK$109,133
+HK$6,260/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$205,746/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,692
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,580
−HK$2,930/mo
Today · 4.125%
HK$113,510
baseline
▲ 0.50% · 4.625%
HK$119,493
+HK$5,983/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$227,020/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,163
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,776
−HK$3,672/mo
Today · 4.125%
HK$123,448
baseline
▲ 0.50% · 4.625%
HK$130,959
+HK$7,511/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$246,896/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,230
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,696
−HK$3,516/mo
Today · 4.125%
HK$136,212
baseline
▲ 0.50% · 4.625%
HK$143,392
+HK$7,180/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$272,424/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,524
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$139,739
−HK$4,283/mo
Today · 4.125%
HK$144,022
baseline
▲ 0.50% · 4.625%
HK$152,786
+HK$8,764/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$288,044/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,769
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$154,812
−HK$4,102/mo
Today · 4.125%
HK$158,914
baseline
▲ 0.50% · 4.625%
HK$167,291
+HK$8,377/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$317,828/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,245
−HK$10,926/mo
▼ 0.25% · 3.875%
HK$179,665
−HK$5,506/mo
Today · 4.125%
HK$185,171
baseline
▲ 0.50% · 4.625%
HK$196,439
+HK$11,268/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$370,342/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,845
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,044
−HK$5,274/mo
Today · 4.125%
HK$204,318
baseline
▲ 0.50% · 4.625%
HK$215,088
+HK$10,770/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$408,636/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,232 · Scale 2, in force from 26 Feb 2026)