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$96,754
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,764
−HK$3,058/mo
Today · 4.125%
HK$102,822
baseline
▲ 0.50% · 4.625%
HK$109,078
+HK$6,256/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$205,644/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,638
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,525
−HK$2,928/mo
Today · 4.125%
HK$113,453
baseline
▲ 0.50% · 4.625%
HK$119,434
+HK$5,981/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$226,906/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,105
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$119,717
−HK$3,669/mo
Today · 4.125%
HK$123,386
baseline
▲ 0.50% · 4.625%
HK$130,894
+HK$7,508/mo
Deposit HK$16.97M · loan HK$25.46M · min. income ≈ HK$246,772/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,166
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$132,630
−HK$3,514/mo
Today · 4.125%
HK$136,144
baseline
▲ 0.50% · 4.625%
HK$143,321
+HK$7,177/mo
Deposit HK$16.97M · loan HK$25.46M · min. income ≈ HK$272,288/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,456
−HK$8,494/mo
▼ 0.25% · 3.875%
HK$139,669
−HK$4,281/mo
Today · 4.125%
HK$143,950
baseline
▲ 0.50% · 4.625%
HK$152,709
+HK$8,759/mo
Deposit HK$12.73M · loan HK$29.70M · min. income ≈ HK$287,900/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,803,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,693
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$154,735
−HK$4,100/mo
Today · 4.125%
HK$158,835
baseline
▲ 0.50% · 4.625%
HK$167,207
+HK$8,372/mo
Deposit HK$12.73M · loan HK$29.70M · min. income ≈ HK$317,670/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,803,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,158
−HK$10,921/mo
▼ 0.25% · 3.875%
HK$179,575
−HK$5,504/mo
Today · 4.125%
HK$185,079
baseline
▲ 0.50% · 4.625%
HK$196,340
+HK$11,261/mo
Deposit HK$4.24M · loan HK$38.19M · min. income ≈ HK$370,158/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,749
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$198,945
−HK$5,271/mo
Today · 4.125%
HK$204,216
baseline
▲ 0.50% · 4.625%
HK$214,981
+HK$10,765/mo
Deposit HK$4.24M · loan HK$38.19M · min. income ≈ HK$408,432/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,331 · Scale 2, in force from 26 Feb 2026)