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$97,372
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,401
−HK$3,077/mo
Today · 4.125%
HK$103,478
baseline
▲ 0.50% · 4.625%
HK$109,774
+HK$6,296/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,956/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,814,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,325
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,230
−HK$2,948/mo
Today · 4.125%
HK$114,178
baseline
▲ 0.50% · 4.625%
HK$120,196
+HK$6,018/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,356/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,814,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,846
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,481
−HK$3,692/mo
Today · 4.125%
HK$124,173
baseline
▲ 0.50% · 4.625%
HK$131,729
+HK$7,556/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,346/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,814,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,990
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,476
−HK$3,537/mo
Today · 4.125%
HK$137,013
baseline
▲ 0.50% · 4.625%
HK$144,235
+HK$7,222/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$274,026/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,814,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,320
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$140,561
−HK$4,308/mo
Today · 4.125%
HK$144,869
baseline
▲ 0.50% · 4.625%
HK$153,684
+HK$8,815/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$289,738/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,814,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,655
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$155,722
−HK$4,127/mo
Today · 4.125%
HK$159,849
baseline
▲ 0.50% · 4.625%
HK$168,274
+HK$8,425/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$319,698/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,814,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,269
−HK$10,991/mo
▼ 0.25% · 3.875%
HK$180,721
−HK$5,539/mo
Today · 4.125%
HK$186,260
baseline
▲ 0.50% · 4.625%
HK$197,594
+HK$11,334/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$372,520/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,814,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,985
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$200,215
−HK$5,305/mo
Today · 4.125%
HK$205,520
baseline
▲ 0.50% · 4.625%
HK$216,353
+HK$10,833/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$411,040/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,814,840 · Scale 2, in force from 26 Feb 2026)