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$96,620
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,625
−HK$3,054/mo
Today · 4.125%
HK$102,679
baseline
▲ 0.50% · 4.625%
HK$108,926
+HK$6,247/mo
Deposit HK$21.19M · loan HK$21.19M · min. income ≈ HK$205,358/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$1,800,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,488
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,371
−HK$2,925/mo
Today · 4.125%
HK$113,296
baseline
▲ 0.50% · 4.625%
HK$119,268
+HK$5,972/mo
Deposit HK$21.19M · loan HK$21.19M · min. income ≈ HK$226,592/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$1,800,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,944
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$119,550
−HK$3,664/mo
Today · 4.125%
HK$123,214
baseline
▲ 0.50% · 4.625%
HK$130,712
+HK$7,498/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$246,428/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,986
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,445
−HK$3,510/mo
Today · 4.125%
HK$135,955
baseline
▲ 0.50% · 4.625%
HK$143,121
+HK$7,166/mo
Deposit HK$16.95M · loan HK$25.42M · min. income ≈ HK$271,910/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,800,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,268
−HK$8,482/mo
▼ 0.25% · 3.875%
HK$139,475
−HK$4,275/mo
Today · 4.125%
HK$143,750
baseline
▲ 0.50% · 4.625%
HK$152,497
+HK$8,747/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$287,500/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,484
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$154,520
−HK$4,094/mo
Today · 4.125%
HK$158,614
baseline
▲ 0.50% · 4.625%
HK$166,975
+HK$8,361/mo
Deposit HK$12.71M · loan HK$29.66M · min. income ≈ HK$317,228/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,915
−HK$10,907/mo
▼ 0.25% · 3.875%
HK$179,325
−HK$5,497/mo
Today · 4.125%
HK$184,822
baseline
▲ 0.50% · 4.625%
HK$196,067
+HK$11,245/mo
Deposit HK$4.24M · loan HK$38.14M · min. income ≈ HK$369,644/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,479
−HK$10,453/mo
▼ 0.25% · 3.875%
HK$198,668
−HK$5,264/mo
Today · 4.125%
HK$203,932
baseline
▲ 0.50% · 4.625%
HK$214,682
+HK$10,750/mo
Deposit HK$4.24M · loan HK$38.14M · min. income ≈ HK$407,864/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,823 · Scale 2, in force from 26 Feb 2026)