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$96,720
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,729
−HK$3,057/mo
Today · 4.125%
HK$102,786
baseline
▲ 0.50% · 4.625%
HK$109,040
+HK$6,254/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$205,572/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,600
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,486
−HK$2,928/mo
Today · 4.125%
HK$113,414
baseline
▲ 0.50% · 4.625%
HK$119,392
+HK$5,978/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$226,828/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,064
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$119,675
−HK$3,668/mo
Today · 4.125%
HK$123,343
baseline
▲ 0.50% · 4.625%
HK$130,848
+HK$7,505/mo
Deposit HK$16.97M · loan HK$25.45M · min. income ≈ HK$246,686/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,121
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$132,583
−HK$3,514/mo
Today · 4.125%
HK$136,097
baseline
▲ 0.50% · 4.625%
HK$143,270
+HK$7,173/mo
Deposit HK$16.97M · loan HK$25.45M · min. income ≈ HK$272,194/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,409
−HK$8,491/mo
▼ 0.25% · 3.875%
HK$139,621
−HK$4,279/mo
Today · 4.125%
HK$143,900
baseline
▲ 0.50% · 4.625%
HK$152,656
+HK$8,756/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$287,800/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,641
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$154,681
−HK$4,098/mo
Today · 4.125%
HK$158,779
baseline
▲ 0.50% · 4.625%
HK$167,149
+HK$8,370/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$317,558/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,097
−HK$10,917/mo
▼ 0.25% · 3.875%
HK$179,512
−HK$5,502/mo
Today · 4.125%
HK$185,014
baseline
▲ 0.50% · 4.625%
HK$196,272
+HK$11,258/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$370,028/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,681
−HK$10,464/mo
▼ 0.25% · 3.875%
HK$198,875
−HK$5,270/mo
Today · 4.125%
HK$204,145
baseline
▲ 0.50% · 4.625%
HK$214,906
+HK$10,761/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$408,290/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,699 · Scale 2, in force from 26 Feb 2026)