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$96,956
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,972
−HK$3,064/mo
Today · 4.125%
HK$103,036
baseline
▲ 0.50% · 4.625%
HK$109,305
+HK$6,269/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$206,072/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,862
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,755
−HK$2,935/mo
Today · 4.125%
HK$113,690
baseline
▲ 0.50% · 4.625%
HK$119,683
+HK$5,993/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$227,380/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,347
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$119,966
−HK$3,677/mo
Today · 4.125%
HK$123,643
baseline
▲ 0.50% · 4.625%
HK$131,166
+HK$7,523/mo
Deposit HK$17.01M · loan HK$25.51M · min. income ≈ HK$247,286/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,807,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,435
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$132,906
−HK$3,522/mo
Today · 4.125%
HK$136,428
baseline
▲ 0.50% · 4.625%
HK$143,619
+HK$7,191/mo
Deposit HK$17.01M · loan HK$25.51M · min. income ≈ HK$272,856/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,807,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,738
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$139,960
−HK$4,290/mo
Today · 4.125%
HK$144,250
baseline
▲ 0.50% · 4.625%
HK$153,027
+HK$8,777/mo
Deposit HK$12.76M · loan HK$29.76M · min. income ≈ HK$288,500/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,807,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,007
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$155,057
−HK$4,109/mo
Today · 4.125%
HK$159,166
baseline
▲ 0.50% · 4.625%
HK$167,556
+HK$8,390/mo
Deposit HK$12.76M · loan HK$29.76M · min. income ≈ HK$318,332/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,807,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,521
−HK$10,944/mo
▼ 0.25% · 3.875%
HK$179,949
−HK$5,516/mo
Today · 4.125%
HK$185,465
baseline
▲ 0.50% · 4.625%
HK$196,750
+HK$11,285/mo
Deposit HK$4.25M · loan HK$38.27M · min. income ≈ HK$370,930/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,152
−HK$10,490/mo
▼ 0.25% · 3.875%
HK$199,359
−HK$5,283/mo
Today · 4.125%
HK$204,642
baseline
▲ 0.50% · 4.625%
HK$215,429
+HK$10,787/mo
Deposit HK$4.25M · loan HK$38.27M · min. income ≈ HK$409,284/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,089 · Scale 2, in force from 26 Feb 2026)