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$96,775
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,786
−HK$3,058/mo
Today · 4.125%
HK$102,844
baseline
▲ 0.50% · 4.625%
HK$109,102
+HK$6,258/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$205,688/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,662
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,549
−HK$2,929/mo
Today · 4.125%
HK$113,478
baseline
▲ 0.50% · 4.625%
HK$119,460
+HK$5,982/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$226,956/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,131
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,743
−HK$3,670/mo
Today · 4.125%
HK$123,413
baseline
▲ 0.50% · 4.625%
HK$130,922
+HK$7,509/mo
Deposit HK$16.98M · loan HK$25.46M · min. income ≈ HK$246,826/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,194
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,659
−HK$3,515/mo
Today · 4.125%
HK$136,174
baseline
▲ 0.50% · 4.625%
HK$143,352
+HK$7,178/mo
Deposit HK$16.98M · loan HK$25.46M · min. income ≈ HK$272,348/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,486
−HK$8,496/mo
▼ 0.25% · 3.875%
HK$139,700
−HK$4,282/mo
Today · 4.125%
HK$143,982
baseline
▲ 0.50% · 4.625%
HK$152,743
+HK$8,761/mo
Deposit HK$12.73M · loan HK$29.71M · min. income ≈ HK$287,964/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,803,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,726
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$154,769
−HK$4,101/mo
Today · 4.125%
HK$158,870
baseline
▲ 0.50% · 4.625%
HK$167,244
+HK$8,374/mo
Deposit HK$12.73M · loan HK$29.71M · min. income ≈ HK$317,740/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,803,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,196
−HK$10,923/mo
▼ 0.25% · 3.875%
HK$179,614
−HK$5,505/mo
Today · 4.125%
HK$185,119
baseline
▲ 0.50% · 4.625%
HK$196,384
+HK$11,265/mo
Deposit HK$4.24M · loan HK$38.20M · min. income ≈ HK$370,238/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,791
−HK$10,470/mo
▼ 0.25% · 3.875%
HK$198,989
−HK$5,272/mo
Today · 4.125%
HK$204,261
baseline
▲ 0.50% · 4.625%
HK$215,028
+HK$10,767/mo
Deposit HK$4.24M · loan HK$38.20M · min. income ≈ HK$408,522/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,727 · Scale 2, in force from 26 Feb 2026)