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$96,771
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,781
−HK$3,059/mo
Today · 4.125%
HK$102,840
baseline
▲ 0.50% · 4.625%
HK$109,097
+HK$6,257/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$205,680/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,657
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,544
−HK$2,929/mo
Today · 4.125%
HK$113,473
baseline
▲ 0.50% · 4.625%
HK$119,455
+HK$5,982/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$226,946/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,126
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,738
−HK$3,670/mo
Today · 4.125%
HK$123,408
baseline
▲ 0.50% · 4.625%
HK$130,917
+HK$7,509/mo
Deposit HK$16.98M · loan HK$25.46M · min. income ≈ HK$246,816/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,188
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,653
−HK$3,515/mo
Today · 4.125%
HK$136,168
baseline
▲ 0.50% · 4.625%
HK$143,346
+HK$7,178/mo
Deposit HK$16.98M · loan HK$25.46M · min. income ≈ HK$272,336/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,480
−HK$8,496/mo
▼ 0.25% · 3.875%
HK$139,694
−HK$4,282/mo
Today · 4.125%
HK$143,976
baseline
▲ 0.50% · 4.625%
HK$152,736
+HK$8,760/mo
Deposit HK$12.73M · loan HK$29.71M · min. income ≈ HK$287,952/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,803,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,720
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$154,762
−HK$4,101/mo
Today · 4.125%
HK$158,863
baseline
▲ 0.50% · 4.625%
HK$167,237
+HK$8,374/mo
Deposit HK$12.73M · loan HK$29.71M · min. income ≈ HK$317,726/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,803,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,188
−HK$10,923/mo
▼ 0.25% · 3.875%
HK$179,607
−HK$5,504/mo
Today · 4.125%
HK$185,111
baseline
▲ 0.50% · 4.625%
HK$196,375
+HK$11,264/mo
Deposit HK$4.24M · loan HK$38.19M · min. income ≈ HK$370,222/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,783
−HK$10,469/mo
▼ 0.25% · 3.875%
HK$198,980
−HK$5,272/mo
Today · 4.125%
HK$204,252
baseline
▲ 0.50% · 4.625%
HK$215,019
+HK$10,767/mo
Deposit HK$4.24M · loan HK$38.19M · min. income ≈ HK$408,504/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,648 · Scale 2, in force from 26 Feb 2026)