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$96,935
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,951
−HK$3,063/mo
Today · 4.125%
HK$103,014
baseline
▲ 0.50% · 4.625%
HK$109,282
+HK$6,268/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$206,028/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,840
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,732
−HK$2,934/mo
Today · 4.125%
HK$113,666
baseline
▲ 0.50% · 4.625%
HK$119,657
+HK$5,991/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$227,332/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,323
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$119,941
−HK$3,676/mo
Today · 4.125%
HK$123,617
baseline
▲ 0.50% · 4.625%
HK$131,139
+HK$7,522/mo
Deposit HK$17.00M · loan HK$25.51M · min. income ≈ HK$247,234/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,408
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$132,878
−HK$3,521/mo
Today · 4.125%
HK$136,399
baseline
▲ 0.50% · 4.625%
HK$143,589
+HK$7,190/mo
Deposit HK$17.00M · loan HK$25.51M · min. income ≈ HK$272,798/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,710
−HK$8,510/mo
▼ 0.25% · 3.875%
HK$139,931
−HK$4,289/mo
Today · 4.125%
HK$144,220
baseline
▲ 0.50% · 4.625%
HK$152,995
+HK$8,775/mo
Deposit HK$12.75M · loan HK$29.76M · min. income ≈ HK$288,440/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,976
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$155,025
−HK$4,107/mo
Today · 4.125%
HK$159,132
baseline
▲ 0.50% · 4.625%
HK$167,520
+HK$8,388/mo
Deposit HK$12.75M · loan HK$29.76M · min. income ≈ HK$318,264/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,484
−HK$10,941/mo
▼ 0.25% · 3.875%
HK$179,911
−HK$5,514/mo
Today · 4.125%
HK$185,425
baseline
▲ 0.50% · 4.625%
HK$196,708
+HK$11,283/mo
Deposit HK$4.25M · loan HK$38.26M · min. income ≈ HK$370,850/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,111
−HK$10,488/mo
▼ 0.25% · 3.875%
HK$199,317
−HK$5,282/mo
Today · 4.125%
HK$204,599
baseline
▲ 0.50% · 4.625%
HK$215,383
+HK$10,784/mo
Deposit HK$4.25M · loan HK$38.26M · min. income ≈ HK$409,198/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,708 · Scale 2, in force from 26 Feb 2026)