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$96,958
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,974
−HK$3,064/mo
Today · 4.125%
HK$103,038
baseline
▲ 0.50% · 4.625%
HK$109,308
+HK$6,270/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$206,076/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,865
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,758
−HK$2,935/mo
Today · 4.125%
HK$113,693
baseline
▲ 0.50% · 4.625%
HK$119,686
+HK$5,993/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$227,386/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,350
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$119,969
−HK$3,677/mo
Today · 4.125%
HK$123,646
baseline
▲ 0.50% · 4.625%
HK$131,170
+HK$7,524/mo
Deposit HK$17.01M · loan HK$25.51M · min. income ≈ HK$247,292/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,438
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$132,910
−HK$3,521/mo
Today · 4.125%
HK$136,431
baseline
▲ 0.50% · 4.625%
HK$143,623
+HK$7,192/mo
Deposit HK$17.01M · loan HK$25.51M · min. income ≈ HK$272,862/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,742
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$139,964
−HK$4,290/mo
Today · 4.125%
HK$144,254
baseline
▲ 0.50% · 4.625%
HK$153,031
+HK$8,777/mo
Deposit HK$12.76M · loan HK$29.76M · min. income ≈ HK$288,508/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,807,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,011
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$155,061
−HK$4,109/mo
Today · 4.125%
HK$159,170
baseline
▲ 0.50% · 4.625%
HK$167,560
+HK$8,390/mo
Deposit HK$12.76M · loan HK$29.76M · min. income ≈ HK$318,340/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,807,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,525
−HK$10,944/mo
▼ 0.25% · 3.875%
HK$179,954
−HK$5,515/mo
Today · 4.125%
HK$185,469
baseline
▲ 0.50% · 4.625%
HK$196,755
+HK$11,286/mo
Deposit HK$4.25M · loan HK$38.27M · min. income ≈ HK$370,938/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,157
−HK$10,490/mo
▼ 0.25% · 3.875%
HK$199,365
−HK$5,282/mo
Today · 4.125%
HK$204,647
baseline
▲ 0.50% · 4.625%
HK$215,434
+HK$10,787/mo
Deposit HK$4.25M · loan HK$38.27M · min. income ≈ HK$409,294/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,135 · Scale 2, in force from 26 Feb 2026)