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$97,231
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,255
−HK$3,073/mo
Today · 4.125%
HK$103,328
baseline
▲ 0.50% · 4.625%
HK$109,615
+HK$6,287/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,656/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,812,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,168
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,069
−HK$2,943/mo
Today · 4.125%
HK$114,012
baseline
▲ 0.50% · 4.625%
HK$120,022
+HK$6,010/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$228,024/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,812,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,677
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$120,306
−HK$3,688/mo
Today · 4.125%
HK$123,994
baseline
▲ 0.50% · 4.625%
HK$131,538
+HK$7,544/mo
Deposit HK$17.06M · loan HK$25.58M · min. income ≈ HK$247,988/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,802
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$133,283
−HK$3,532/mo
Today · 4.125%
HK$136,815
baseline
▲ 0.50% · 4.625%
HK$144,027
+HK$7,212/mo
Deposit HK$17.06M · loan HK$25.58M · min. income ≈ HK$273,630/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,123
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$140,357
−HK$4,302/mo
Today · 4.125%
HK$144,659
baseline
▲ 0.50% · 4.625%
HK$153,462
+HK$8,803/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$289,318/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,812,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,436
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$155,497
−HK$4,120/mo
Today · 4.125%
HK$159,617
baseline
▲ 0.50% · 4.625%
HK$168,031
+HK$8,414/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$319,234/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,812,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,016
−HK$10,975/mo
▼ 0.25% · 3.875%
HK$180,460
−HK$5,531/mo
Today · 4.125%
HK$185,991
baseline
▲ 0.50% · 4.625%
HK$197,308
+HK$11,317/mo
Deposit HK$4.26M · loan HK$38.38M · min. income ≈ HK$371,982/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,703
−HK$10,519/mo
▼ 0.25% · 3.875%
HK$199,925
−HK$5,297/mo
Today · 4.125%
HK$205,222
baseline
▲ 0.50% · 4.625%
HK$216,040
+HK$10,818/mo
Deposit HK$4.26M · loan HK$38.38M · min. income ≈ HK$410,444/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,214 · Scale 2, in force from 26 Feb 2026)