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$96,853
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,865
−HK$3,061/mo
Today · 4.125%
HK$102,926
baseline
▲ 0.50% · 4.625%
HK$109,189
+HK$6,263/mo
Deposit HK$21.24M · loan HK$21.24M · min. income ≈ HK$205,852/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,805,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,748
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,637
−HK$2,932/mo
Today · 4.125%
HK$113,569
baseline
▲ 0.50% · 4.625%
HK$119,555
+HK$5,986/mo
Deposit HK$21.24M · loan HK$21.24M · min. income ≈ HK$227,138/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,805,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,223
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$119,838
−HK$3,673/mo
Today · 4.125%
HK$123,511
baseline
▲ 0.50% · 4.625%
HK$131,027
+HK$7,516/mo
Deposit HK$16.99M · loan HK$25.48M · min. income ≈ HK$247,022/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,805,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,297
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,765
−HK$3,518/mo
Today · 4.125%
HK$136,283
baseline
▲ 0.50% · 4.625%
HK$143,466
+HK$7,183/mo
Deposit HK$16.99M · loan HK$25.48M · min. income ≈ HK$272,566/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,805,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,594
−HK$8,503/mo
▼ 0.25% · 3.875%
HK$139,812
−HK$4,285/mo
Today · 4.125%
HK$144,097
baseline
▲ 0.50% · 4.625%
HK$152,865
+HK$8,768/mo
Deposit HK$12.74M · loan HK$29.73M · min. income ≈ HK$288,194/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,847
−HK$8,150/mo
▼ 0.25% · 3.875%
HK$154,892
−HK$4,105/mo
Today · 4.125%
HK$158,997
baseline
▲ 0.50% · 4.625%
HK$167,377
+HK$8,380/mo
Deposit HK$12.74M · loan HK$29.73M · min. income ≈ HK$317,994/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,805,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,335
−HK$10,932/mo
▼ 0.25% · 3.875%
HK$179,758
−HK$5,509/mo
Today · 4.125%
HK$185,267
baseline
▲ 0.50% · 4.625%
HK$196,540
+HK$11,273/mo
Deposit HK$4.25M · loan HK$38.23M · min. income ≈ HK$370,534/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,805,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,946
−HK$10,478/mo
▼ 0.25% · 3.875%
HK$199,147
−HK$5,277/mo
Today · 4.125%
HK$204,424
baseline
▲ 0.50% · 4.625%
HK$215,200
+HK$10,776/mo
Deposit HK$4.25M · loan HK$38.23M · min. income ≈ HK$408,848/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,805,166 · Scale 2, in force from 26 Feb 2026)