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$96,752
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,761
−HK$3,058/mo
Today · 4.125%
HK$102,819
baseline
▲ 0.50% · 4.625%
HK$109,075
+HK$6,256/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$205,638/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,635
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,522
−HK$2,928/mo
Today · 4.125%
HK$113,450
baseline
▲ 0.50% · 4.625%
HK$119,431
+HK$5,981/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$226,900/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,102
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$119,713
−HK$3,670/mo
Today · 4.125%
HK$123,383
baseline
▲ 0.50% · 4.625%
HK$130,890
+HK$7,507/mo
Deposit HK$16.97M · loan HK$25.46M · min. income ≈ HK$246,766/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,162
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$132,626
−HK$3,514/mo
Today · 4.125%
HK$136,140
baseline
▲ 0.50% · 4.625%
HK$143,317
+HK$7,177/mo
Deposit HK$16.97M · loan HK$25.46M · min. income ≈ HK$272,280/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,452
−HK$8,494/mo
▼ 0.25% · 3.875%
HK$139,666
−HK$4,280/mo
Today · 4.125%
HK$143,946
baseline
▲ 0.50% · 4.625%
HK$152,705
+HK$8,759/mo
Deposit HK$12.73M · loan HK$29.70M · min. income ≈ HK$287,892/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,803,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,689
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$154,731
−HK$4,100/mo
Today · 4.125%
HK$158,831
baseline
▲ 0.50% · 4.625%
HK$167,203
+HK$8,372/mo
Deposit HK$12.73M · loan HK$29.70M · min. income ≈ HK$317,662/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,803,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,153
−HK$10,921/mo
▼ 0.25% · 3.875%
HK$179,570
−HK$5,504/mo
Today · 4.125%
HK$185,074
baseline
▲ 0.50% · 4.625%
HK$196,335
+HK$11,261/mo
Deposit HK$4.24M · loan HK$38.19M · min. income ≈ HK$370,148/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,743
−HK$10,468/mo
▼ 0.25% · 3.875%
HK$198,939
−HK$5,272/mo
Today · 4.125%
HK$204,211
baseline
▲ 0.50% · 4.625%
HK$214,975
+HK$10,764/mo
Deposit HK$4.24M · loan HK$38.19M · min. income ≈ HK$408,422/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,282 · Scale 2, in force from 26 Feb 2026)