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$97,024
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,042
−HK$3,066/mo
Today · 4.125%
HK$103,108
baseline
▲ 0.50% · 4.625%
HK$109,382
+HK$6,274/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$206,216/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,808,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,938
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,833
−HK$2,937/mo
Today · 4.125%
HK$113,770
baseline
▲ 0.50% · 4.625%
HK$119,767
+HK$5,997/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$227,540/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,808,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,429
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$120,050
−HK$3,680/mo
Today · 4.125%
HK$123,730
baseline
▲ 0.50% · 4.625%
HK$131,258
+HK$7,528/mo
Deposit HK$17.02M · loan HK$25.53M · min. income ≈ HK$247,460/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,526
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$133,000
−HK$3,524/mo
Today · 4.125%
HK$136,524
baseline
▲ 0.50% · 4.625%
HK$143,720
+HK$7,196/mo
Deposit HK$17.02M · loan HK$25.53M · min. income ≈ HK$273,048/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,833
−HK$8,518/mo
▼ 0.25% · 3.875%
HK$140,059
−HK$4,292/mo
Today · 4.125%
HK$144,351
baseline
▲ 0.50% · 4.625%
HK$153,135
+HK$8,784/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$288,702/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,808,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,113
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$155,166
−HK$4,112/mo
Today · 4.125%
HK$159,278
baseline
▲ 0.50% · 4.625%
HK$167,673
+HK$8,395/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$318,556/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,808,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,643
−HK$10,952/mo
▼ 0.25% · 3.875%
HK$180,075
−HK$5,520/mo
Today · 4.125%
HK$185,595
baseline
▲ 0.50% · 4.625%
HK$196,888
+HK$11,293/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$371,190/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,289
−HK$10,496/mo
▼ 0.25% · 3.875%
HK$199,499
−HK$5,286/mo
Today · 4.125%
HK$204,785
baseline
▲ 0.50% · 4.625%
HK$215,580
+HK$10,795/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$409,570/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,356 · Scale 2, in force from 26 Feb 2026)