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$96,859
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,872
−HK$3,061/mo
Today · 4.125%
HK$102,933
baseline
▲ 0.50% · 4.625%
HK$109,196
+HK$6,263/mo
Deposit HK$21.24M · loan HK$21.24M · min. income ≈ HK$205,866/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,805,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,755
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,645
−HK$2,931/mo
Today · 4.125%
HK$113,576
baseline
▲ 0.50% · 4.625%
HK$119,563
+HK$5,987/mo
Deposit HK$21.24M · loan HK$21.24M · min. income ≈ HK$227,152/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,805,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,231
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,846
−HK$3,674/mo
Today · 4.125%
HK$123,520
baseline
▲ 0.50% · 4.625%
HK$131,035
+HK$7,515/mo
Deposit HK$16.99M · loan HK$25.49M · min. income ≈ HK$247,040/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,805,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,306
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,774
−HK$3,518/mo
Today · 4.125%
HK$136,292
baseline
▲ 0.50% · 4.625%
HK$143,476
+HK$7,184/mo
Deposit HK$16.99M · loan HK$25.49M · min. income ≈ HK$272,584/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,805,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,603
−HK$8,503/mo
▼ 0.25% · 3.875%
HK$139,821
−HK$4,285/mo
Today · 4.125%
HK$144,106
baseline
▲ 0.50% · 4.625%
HK$152,875
+HK$8,769/mo
Deposit HK$12.74M · loan HK$29.73M · min. income ≈ HK$288,212/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,857
−HK$8,150/mo
▼ 0.25% · 3.875%
HK$154,903
−HK$4,104/mo
Today · 4.125%
HK$159,007
baseline
▲ 0.50% · 4.625%
HK$167,388
+HK$8,381/mo
Deposit HK$12.74M · loan HK$29.73M · min. income ≈ HK$318,014/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,346
−HK$10,933/mo
▼ 0.25% · 3.875%
HK$179,769
−HK$5,510/mo
Today · 4.125%
HK$185,279
baseline
▲ 0.50% · 4.625%
HK$196,553
+HK$11,274/mo
Deposit HK$4.25M · loan HK$38.23M · min. income ≈ HK$370,558/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,805,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,959
−HK$10,479/mo
▼ 0.25% · 3.875%
HK$199,160
−HK$5,278/mo
Today · 4.125%
HK$204,438
baseline
▲ 0.50% · 4.625%
HK$215,214
+HK$10,776/mo
Deposit HK$4.25M · loan HK$38.23M · min. income ≈ HK$408,876/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,805,285 · Scale 2, in force from 26 Feb 2026)