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$97,005
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,022
−HK$3,066/mo
Today · 4.125%
HK$103,088
baseline
▲ 0.50% · 4.625%
HK$109,360
+HK$6,272/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$206,176/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,917
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,811
−HK$2,936/mo
Today · 4.125%
HK$113,747
baseline
▲ 0.50% · 4.625%
HK$119,743
+HK$5,996/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$227,494/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,406
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,027
−HK$3,678/mo
Today · 4.125%
HK$123,705
baseline
▲ 0.50% · 4.625%
HK$131,232
+HK$7,527/mo
Deposit HK$17.02M · loan HK$25.52M · min. income ≈ HK$247,410/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,500
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$132,973
−HK$3,524/mo
Today · 4.125%
HK$136,497
baseline
▲ 0.50% · 4.625%
HK$143,692
+HK$7,195/mo
Deposit HK$17.02M · loan HK$25.52M · min. income ≈ HK$272,994/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,807
−HK$8,516/mo
▼ 0.25% · 3.875%
HK$140,031
−HK$4,292/mo
Today · 4.125%
HK$144,323
baseline
▲ 0.50% · 4.625%
HK$153,105
+HK$8,782/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$288,646/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,083
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$155,135
−HK$4,111/mo
Today · 4.125%
HK$159,246
baseline
▲ 0.50% · 4.625%
HK$167,640
+HK$8,394/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$318,492/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,608
−HK$10,950/mo
▼ 0.25% · 3.875%
HK$180,040
−HK$5,518/mo
Today · 4.125%
HK$185,558
baseline
▲ 0.50% · 4.625%
HK$196,849
+HK$11,291/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$371,116/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,250
−HK$10,495/mo
▼ 0.25% · 3.875%
HK$199,460
−HK$5,285/mo
Today · 4.125%
HK$204,745
baseline
▲ 0.50% · 4.625%
HK$215,537
+HK$10,792/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$409,490/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,999 · Scale 2, in force from 26 Feb 2026)