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$97,210
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,234
−HK$3,072/mo
Today · 4.125%
HK$103,306
baseline
▲ 0.50% · 4.625%
HK$109,592
+HK$6,286/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,612/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,811,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,145
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,046
−HK$2,942/mo
Today · 4.125%
HK$113,988
baseline
▲ 0.50% · 4.625%
HK$119,997
+HK$6,009/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$227,976/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,811,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,652
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,281
−HK$3,686/mo
Today · 4.125%
HK$123,967
baseline
▲ 0.50% · 4.625%
HK$131,511
+HK$7,544/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$247,934/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,775
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,255
−HK$3,531/mo
Today · 4.125%
HK$136,786
baseline
▲ 0.50% · 4.625%
HK$143,996
+HK$7,210/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$273,572/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,094
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$140,328
−HK$4,301/mo
Today · 4.125%
HK$144,629
baseline
▲ 0.50% · 4.625%
HK$153,429
+HK$8,800/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$289,258/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,404
−HK$8,180/mo
▼ 0.25% · 3.875%
HK$155,464
−HK$4,120/mo
Today · 4.125%
HK$159,584
baseline
▲ 0.50% · 4.625%
HK$167,995
+HK$8,411/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$319,168/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,979
−HK$10,972/mo
▼ 0.25% · 3.875%
HK$180,421
−HK$5,530/mo
Today · 4.125%
HK$185,951
baseline
▲ 0.50% · 4.625%
HK$197,266
+HK$11,315/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$371,902/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,662
−HK$10,517/mo
▼ 0.25% · 3.875%
HK$199,883
−HK$5,296/mo
Today · 4.125%
HK$205,179
baseline
▲ 0.50% · 4.625%
HK$215,994
+HK$10,815/mo
Deposit HK$4.26M · loan HK$38.37M · min. income ≈ HK$410,358/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,830 · Scale 2, in force from 26 Feb 2026)