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$96,993
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,010
−HK$3,065/mo
Today · 4.125%
HK$103,075
baseline
▲ 0.50% · 4.625%
HK$109,347
+HK$6,272/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$206,150/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,903
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,797
−HK$2,936/mo
Today · 4.125%
HK$113,733
baseline
▲ 0.50% · 4.625%
HK$119,728
+HK$5,995/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$227,466/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,807,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,391
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,012
−HK$3,678/mo
Today · 4.125%
HK$123,690
baseline
▲ 0.50% · 4.625%
HK$131,216
+HK$7,526/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$247,380/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,484
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$132,957
−HK$3,523/mo
Today · 4.125%
HK$136,480
baseline
▲ 0.50% · 4.625%
HK$143,674
+HK$7,194/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$272,960/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,790
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$140,014
−HK$4,291/mo
Today · 4.125%
HK$144,305
baseline
▲ 0.50% · 4.625%
HK$153,086
+HK$8,781/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$288,610/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,065
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$155,116
−HK$4,110/mo
Today · 4.125%
HK$159,226
baseline
▲ 0.50% · 4.625%
HK$167,619
+HK$8,393/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$318,452/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,587
−HK$10,948/mo
▼ 0.25% · 3.875%
HK$180,018
−HK$5,517/mo
Today · 4.125%
HK$185,535
baseline
▲ 0.50% · 4.625%
HK$196,824
+HK$11,289/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$371,070/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,226
−HK$10,494/mo
▼ 0.25% · 3.875%
HK$199,435
−HK$5,285/mo
Today · 4.125%
HK$204,720
baseline
▲ 0.50% · 4.625%
HK$215,511
+HK$10,791/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$409,440/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,775 · Scale 2, in force from 26 Feb 2026)