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$96,692
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,700
−HK$3,056/mo
Today · 4.125%
HK$102,756
baseline
▲ 0.50% · 4.625%
HK$109,008
+HK$6,252/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$205,512/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,802,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,569
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,454
−HK$2,927/mo
Today · 4.125%
HK$113,381
baseline
▲ 0.50% · 4.625%
HK$119,358
+HK$5,977/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$226,762/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,802,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,031
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,640
−HK$3,667/mo
Today · 4.125%
HK$123,307
baseline
▲ 0.50% · 4.625%
HK$130,810
+HK$7,503/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$246,614/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,802,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,083
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$132,545
−HK$3,512/mo
Today · 4.125%
HK$136,057
baseline
▲ 0.50% · 4.625%
HK$143,229
+HK$7,172/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$272,114/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,802,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,369
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,580
−HK$4,278/mo
Today · 4.125%
HK$143,858
baseline
▲ 0.50% · 4.625%
HK$152,612
+HK$8,754/mo
Deposit HK$12.72M · loan HK$29.68M · min. income ≈ HK$287,716/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,597
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$154,636
−HK$4,097/mo
Today · 4.125%
HK$158,733
baseline
▲ 0.50% · 4.625%
HK$167,101
+HK$8,368/mo
Deposit HK$12.72M · loan HK$29.68M · min. income ≈ HK$317,466/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,046
−HK$10,915/mo
▼ 0.25% · 3.875%
HK$179,460
−HK$5,501/mo
Today · 4.125%
HK$184,961
baseline
▲ 0.50% · 4.625%
HK$196,215
+HK$11,254/mo
Deposit HK$4.24M · loan HK$38.16M · min. income ≈ HK$369,922/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,625
−HK$10,461/mo
▼ 0.25% · 3.875%
HK$198,818
−HK$5,268/mo
Today · 4.125%
HK$204,086
baseline
▲ 0.50% · 4.625%
HK$214,844
+HK$10,758/mo
Deposit HK$4.24M · loan HK$38.16M · min. income ≈ HK$408,172/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,179 · Scale 2, in force from 26 Feb 2026)