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$97,071
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,091
−HK$3,067/mo
Today · 4.125%
HK$103,158
baseline
▲ 0.50% · 4.625%
HK$109,435
+HK$6,277/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$206,316/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,809,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,991
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,887
−HK$2,938/mo
Today · 4.125%
HK$113,825
baseline
▲ 0.50% · 4.625%
HK$119,825
+HK$6,000/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$227,650/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,809,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,485
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,109
−HK$3,681/mo
Today · 4.125%
HK$123,790
baseline
▲ 0.50% · 4.625%
HK$131,322
+HK$7,532/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$247,580/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,589
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,064
−HK$3,526/mo
Today · 4.125%
HK$136,590
baseline
▲ 0.50% · 4.625%
HK$143,790
+HK$7,200/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$273,180/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,900
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$140,127
−HK$4,295/mo
Today · 4.125%
HK$144,422
baseline
▲ 0.50% · 4.625%
HK$153,210
+HK$8,788/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$288,844/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,187
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$155,242
−HK$4,113/mo
Today · 4.125%
HK$159,355
baseline
▲ 0.50% · 4.625%
HK$167,755
+HK$8,400/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$318,710/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,728
−HK$10,957/mo
▼ 0.25% · 3.875%
HK$180,163
−HK$5,522/mo
Today · 4.125%
HK$185,685
baseline
▲ 0.50% · 4.625%
HK$196,984
+HK$11,299/mo
Deposit HK$4.26M · loan HK$38.31M · min. income ≈ HK$371,370/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,383
−HK$10,502/mo
▼ 0.25% · 3.875%
HK$199,597
−HK$5,288/mo
Today · 4.125%
HK$204,885
baseline
▲ 0.50% · 4.625%
HK$215,685
+HK$10,800/mo
Deposit HK$4.26M · loan HK$38.31M · min. income ≈ HK$409,770/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,239 · Scale 2, in force from 26 Feb 2026)