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$97,150
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,172
−HK$3,070/mo
Today · 4.125%
HK$103,242
baseline
▲ 0.50% · 4.625%
HK$109,525
+HK$6,283/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$206,484/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,079
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,977
−HK$2,941/mo
Today · 4.125%
HK$113,918
baseline
▲ 0.50% · 4.625%
HK$119,923
+HK$6,005/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$227,836/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,580
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$120,207
−HK$3,684/mo
Today · 4.125%
HK$123,891
baseline
▲ 0.50% · 4.625%
HK$131,429
+HK$7,538/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$247,782/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,694
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$133,173
−HK$3,528/mo
Today · 4.125%
HK$136,701
baseline
▲ 0.50% · 4.625%
HK$143,907
+HK$7,206/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$273,402/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,010
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$140,241
−HK$4,298/mo
Today · 4.125%
HK$144,539
baseline
▲ 0.50% · 4.625%
HK$153,334
+HK$8,795/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$289,078/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,310
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$155,368
−HK$4,117/mo
Today · 4.125%
HK$159,485
baseline
▲ 0.50% · 4.625%
HK$167,892
+HK$8,407/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$318,970/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,871
−HK$10,965/mo
▼ 0.25% · 3.875%
HK$180,310
−HK$5,526/mo
Today · 4.125%
HK$185,836
baseline
▲ 0.50% · 4.625%
HK$197,144
+HK$11,308/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$371,672/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,542
−HK$10,510/mo
▼ 0.25% · 3.875%
HK$199,759
−HK$5,293/mo
Today · 4.125%
HK$205,052
baseline
▲ 0.50% · 4.625%
HK$215,861
+HK$10,809/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$410,104/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,713 · Scale 2, in force from 26 Feb 2026)