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$96,551
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,554
−HK$3,051/mo
Today · 4.125%
HK$102,605
baseline
▲ 0.50% · 4.625%
HK$108,848
+HK$6,243/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$205,210/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,412
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,292
−HK$2,923/mo
Today · 4.125%
HK$113,215
baseline
▲ 0.50% · 4.625%
HK$119,182
+HK$5,967/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$226,430/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,861
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,465
−HK$3,661/mo
Today · 4.125%
HK$123,126
baseline
▲ 0.50% · 4.625%
HK$130,618
+HK$7,492/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$246,252/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,799,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,894
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,351
−HK$3,507/mo
Today · 4.125%
HK$135,858
baseline
▲ 0.50% · 4.625%
HK$143,019
+HK$7,161/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$271,716/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,799,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,171
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$139,375
−HK$4,272/mo
Today · 4.125%
HK$143,647
baseline
▲ 0.50% · 4.625%
HK$152,388
+HK$8,741/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$287,294/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,376
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$154,409
−HK$4,092/mo
Today · 4.125%
HK$158,501
baseline
▲ 0.50% · 4.625%
HK$166,855
+HK$8,354/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$317,002/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,791
−HK$10,898/mo
▼ 0.25% · 3.875%
HK$179,197
−HK$5,492/mo
Today · 4.125%
HK$184,689
baseline
▲ 0.50% · 4.625%
HK$195,927
+HK$11,238/mo
Deposit HK$4.23M · loan HK$38.11M · min. income ≈ HK$369,378/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,341
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$198,526
−HK$5,260/mo
Today · 4.125%
HK$203,786
baseline
▲ 0.50% · 4.625%
HK$214,528
+HK$10,742/mo
Deposit HK$4.23M · loan HK$38.11M · min. income ≈ HK$407,572/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,535 · Scale 2, in force from 26 Feb 2026)