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$96,806
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,818
−HK$3,059/mo
Today · 4.125%
HK$102,877
baseline
▲ 0.50% · 4.625%
HK$109,137
+HK$6,260/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$205,754/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,696
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,585
−HK$2,930/mo
Today · 4.125%
HK$113,515
baseline
▲ 0.50% · 4.625%
HK$119,498
+HK$5,983/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$227,030/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,168
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$119,781
−HK$3,671/mo
Today · 4.125%
HK$123,452
baseline
▲ 0.50% · 4.625%
HK$130,964
+HK$7,512/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$246,904/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,235
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,701
−HK$3,517/mo
Today · 4.125%
HK$136,218
baseline
▲ 0.50% · 4.625%
HK$143,398
+HK$7,180/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$272,436/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,529
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$139,745
−HK$4,283/mo
Today · 4.125%
HK$144,028
baseline
▲ 0.50% · 4.625%
HK$152,792
+HK$8,764/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$288,056/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,775
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$154,818
−HK$4,103/mo
Today · 4.125%
HK$158,921
baseline
▲ 0.50% · 4.625%
HK$167,298
+HK$8,377/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$317,842/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,252
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$179,672
−HK$5,507/mo
Today · 4.125%
HK$185,179
baseline
▲ 0.50% · 4.625%
HK$196,446
+HK$11,267/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$370,358/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,853
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,052
−HK$5,274/mo
Today · 4.125%
HK$204,326
baseline
▲ 0.50% · 4.625%
HK$215,097
+HK$10,771/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$408,652/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,304 · Scale 2, in force from 26 Feb 2026)