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$97,081
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,101
−HK$3,068/mo
Today · 4.125%
HK$103,169
baseline
▲ 0.50% · 4.625%
HK$109,447
+HK$6,278/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$206,338/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,002
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,898
−HK$2,939/mo
Today · 4.125%
HK$113,837
baseline
▲ 0.50% · 4.625%
HK$119,837
+HK$6,000/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$227,674/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,497
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$120,121
−HK$3,682/mo
Today · 4.125%
HK$123,803
baseline
▲ 0.50% · 4.625%
HK$131,336
+HK$7,533/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$247,606/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,602
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,078
−HK$3,526/mo
Today · 4.125%
HK$136,604
baseline
▲ 0.50% · 4.625%
HK$143,805
+HK$7,201/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$273,208/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,914
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$140,141
−HK$4,296/mo
Today · 4.125%
HK$144,437
baseline
▲ 0.50% · 4.625%
HK$153,225
+HK$8,788/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$288,874/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,203
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$155,258
−HK$4,114/mo
Today · 4.125%
HK$159,372
baseline
▲ 0.50% · 4.625%
HK$167,772
+HK$8,400/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$318,744/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,746
−HK$10,958/mo
▼ 0.25% · 3.875%
HK$180,182
−HK$5,522/mo
Today · 4.125%
HK$185,704
baseline
▲ 0.50% · 4.625%
HK$197,004
+HK$11,300/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$371,408/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,403
−HK$10,503/mo
▼ 0.25% · 3.875%
HK$199,617
−HK$5,289/mo
Today · 4.125%
HK$204,906
baseline
▲ 0.50% · 4.625%
HK$215,707
+HK$10,801/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$409,812/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,424 · Scale 2, in force from 26 Feb 2026)