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$97,050
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,069
−HK$3,067/mo
Today · 4.125%
HK$103,136
baseline
▲ 0.50% · 4.625%
HK$109,411
+HK$6,275/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$206,272/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,808,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,967
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,862
−HK$2,938/mo
Today · 4.125%
HK$113,800
baseline
▲ 0.50% · 4.625%
HK$119,799
+HK$5,999/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$227,600/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,808,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,460
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,082
−HK$3,681/mo
Today · 4.125%
HK$123,763
baseline
▲ 0.50% · 4.625%
HK$131,293
+HK$7,530/mo
Deposit HK$17.02M · loan HK$25.54M · min. income ≈ HK$247,526/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,560
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,035
−HK$3,525/mo
Today · 4.125%
HK$136,560
baseline
▲ 0.50% · 4.625%
HK$143,758
+HK$7,198/mo
Deposit HK$17.02M · loan HK$25.54M · min. income ≈ HK$273,120/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,870
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$140,096
−HK$4,294/mo
Today · 4.125%
HK$144,390
baseline
▲ 0.50% · 4.625%
HK$153,176
+HK$8,786/mo
Deposit HK$12.77M · loan HK$29.79M · min. income ≈ HK$288,780/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,808,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,154
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$155,207
−HK$4,113/mo
Today · 4.125%
HK$159,320
baseline
▲ 0.50% · 4.625%
HK$167,718
+HK$8,398/mo
Deposit HK$12.77M · loan HK$29.79M · min. income ≈ HK$318,640/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,808,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,690
−HK$10,954/mo
▼ 0.25% · 3.875%
HK$180,123
−HK$5,521/mo
Today · 4.125%
HK$185,644
baseline
▲ 0.50% · 4.625%
HK$196,940
+HK$11,296/mo
Deposit HK$4.26M · loan HK$38.30M · min. income ≈ HK$371,288/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,340
−HK$10,500/mo
▼ 0.25% · 3.875%
HK$199,552
−HK$5,288/mo
Today · 4.125%
HK$204,840
baseline
▲ 0.50% · 4.625%
HK$215,637
+HK$10,797/mo
Deposit HK$4.26M · loan HK$38.30M · min. income ≈ HK$409,680/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,838 · Scale 2, in force from 26 Feb 2026)