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$97,151
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,173
−HK$3,070/mo
Today · 4.125%
HK$103,243
baseline
▲ 0.50% · 4.625%
HK$109,526
+HK$6,283/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$206,486/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,080
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,978
−HK$2,941/mo
Today · 4.125%
HK$113,919
baseline
▲ 0.50% · 4.625%
HK$119,924
+HK$6,005/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$227,838/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,581
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$120,208
−HK$3,684/mo
Today · 4.125%
HK$123,892
baseline
▲ 0.50% · 4.625%
HK$131,431
+HK$7,539/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$247,784/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,696
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$133,174
−HK$3,529/mo
Today · 4.125%
HK$136,703
baseline
▲ 0.50% · 4.625%
HK$143,908
+HK$7,205/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$273,406/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,012
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$140,242
−HK$4,299/mo
Today · 4.125%
HK$144,541
baseline
▲ 0.50% · 4.625%
HK$153,336
+HK$8,795/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$289,082/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,312
−HK$8,174/mo
▼ 0.25% · 3.875%
HK$155,370
−HK$4,116/mo
Today · 4.125%
HK$159,486
baseline
▲ 0.50% · 4.625%
HK$167,893
+HK$8,407/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$318,972/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,872
−HK$10,966/mo
▼ 0.25% · 3.875%
HK$180,312
−HK$5,526/mo
Today · 4.125%
HK$185,838
baseline
▲ 0.50% · 4.625%
HK$197,146
+HK$11,308/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$371,676/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,543
−HK$10,511/mo
▼ 0.25% · 3.875%
HK$199,761
−HK$5,293/mo
Today · 4.125%
HK$205,054
baseline
▲ 0.50% · 4.625%
HK$215,863
+HK$10,809/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$410,108/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,729 · Scale 2, in force from 26 Feb 2026)