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$97,350
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,378
−HK$3,077/mo
Today · 4.125%
HK$103,455
baseline
▲ 0.50% · 4.625%
HK$109,750
+HK$6,295/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,910/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,301
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,205
−HK$2,947/mo
Today · 4.125%
HK$114,152
baseline
▲ 0.50% · 4.625%
HK$120,169
+HK$6,017/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,304/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,820
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$120,454
−HK$3,692/mo
Today · 4.125%
HK$124,146
baseline
▲ 0.50% · 4.625%
HK$131,699
+HK$7,553/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,292/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,961
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$133,446
−HK$3,536/mo
Today · 4.125%
HK$136,982
baseline
▲ 0.50% · 4.625%
HK$144,203
+HK$7,221/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$273,964/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,290
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$140,529
−HK$4,307/mo
Today · 4.125%
HK$144,836
baseline
▲ 0.50% · 4.625%
HK$153,649
+HK$8,813/mo
Deposit HK$12.81M · loan HK$29.88M · min. income ≈ HK$289,672/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,621
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$155,688
−HK$4,125/mo
Today · 4.125%
HK$159,813
baseline
▲ 0.50% · 4.625%
HK$168,237
+HK$8,424/mo
Deposit HK$12.81M · loan HK$29.88M · min. income ≈ HK$319,626/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,230
−HK$10,988/mo
▼ 0.25% · 3.875%
HK$180,680
−HK$5,538/mo
Today · 4.125%
HK$186,218
baseline
▲ 0.50% · 4.625%
HK$197,549
+HK$11,331/mo
Deposit HK$4.27M · loan HK$38.42M · min. income ≈ HK$372,436/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,941
−HK$10,533/mo
▼ 0.25% · 3.875%
HK$200,170
−HK$5,304/mo
Today · 4.125%
HK$205,474
baseline
▲ 0.50% · 4.625%
HK$216,304
+HK$10,830/mo
Deposit HK$4.27M · loan HK$38.42M · min. income ≈ HK$410,948/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,433 · Scale 2, in force from 26 Feb 2026)