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$96,951
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,967
−HK$3,064/mo
Today · 4.125%
HK$103,031
baseline
▲ 0.50% · 4.625%
HK$109,300
+HK$6,269/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$206,062/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,806,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,857
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,750
−HK$2,934/mo
Today · 4.125%
HK$113,684
baseline
▲ 0.50% · 4.625%
HK$119,677
+HK$5,993/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$227,368/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,806,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,341
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$119,960
−HK$3,677/mo
Today · 4.125%
HK$123,637
baseline
▲ 0.50% · 4.625%
HK$131,160
+HK$7,523/mo
Deposit HK$17.01M · loan HK$25.51M · min. income ≈ HK$247,274/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,428
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$132,900
−HK$3,521/mo
Today · 4.125%
HK$136,421
baseline
▲ 0.50% · 4.625%
HK$143,612
+HK$7,191/mo
Deposit HK$17.01M · loan HK$25.51M · min. income ≈ HK$272,842/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,731
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$139,953
−HK$4,290/mo
Today · 4.125%
HK$144,243
baseline
▲ 0.50% · 4.625%
HK$153,020
+HK$8,777/mo
Deposit HK$12.76M · loan HK$29.76M · min. income ≈ HK$288,486/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,000
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$155,050
−HK$4,108/mo
Today · 4.125%
HK$159,158
baseline
▲ 0.50% · 4.625%
HK$167,547
+HK$8,389/mo
Deposit HK$12.76M · loan HK$29.76M · min. income ≈ HK$318,316/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,512
−HK$10,943/mo
▼ 0.25% · 3.875%
HK$179,940
−HK$5,515/mo
Today · 4.125%
HK$185,455
baseline
▲ 0.50% · 4.625%
HK$196,740
+HK$11,285/mo
Deposit HK$4.25M · loan HK$38.27M · min. income ≈ HK$370,910/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,143
−HK$10,489/mo
▼ 0.25% · 3.875%
HK$199,349
−HK$5,283/mo
Today · 4.125%
HK$204,632
baseline
▲ 0.50% · 4.625%
HK$215,418
+HK$10,786/mo
Deposit HK$4.25M · loan HK$38.27M · min. income ≈ HK$409,264/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,999 · Scale 2, in force from 26 Feb 2026)