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$96,455
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,456
−HK$3,048/mo
Today · 4.125%
HK$102,504
baseline
▲ 0.50% · 4.625%
HK$108,741
+HK$6,237/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$205,008/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,306
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,184
−HK$2,919/mo
Today · 4.125%
HK$113,103
baseline
▲ 0.50% · 4.625%
HK$119,065
+HK$5,962/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$226,206/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,746
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,347
−HK$3,658/mo
Today · 4.125%
HK$123,005
baseline
▲ 0.50% · 4.625%
HK$130,489
+HK$7,484/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$246,010/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,767
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,220
−HK$3,504/mo
Today · 4.125%
HK$135,724
baseline
▲ 0.50% · 4.625%
HK$142,878
+HK$7,154/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$271,448/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,038
−HK$8,468/mo
▼ 0.25% · 3.875%
HK$139,238
−HK$4,268/mo
Today · 4.125%
HK$143,506
baseline
▲ 0.50% · 4.625%
HK$152,238
+HK$8,732/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$287,012/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,228
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$154,257
−HK$4,087/mo
Today · 4.125%
HK$158,344
baseline
▲ 0.50% · 4.625%
HK$166,691
+HK$8,347/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$316,688/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,620
−HK$10,887/mo
▼ 0.25% · 3.875%
HK$179,020
−HK$5,487/mo
Today · 4.125%
HK$184,507
baseline
▲ 0.50% · 4.625%
HK$195,734
+HK$11,227/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$369,014/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,150
−HK$10,435/mo
▼ 0.25% · 3.875%
HK$198,330
−HK$5,255/mo
Today · 4.125%
HK$203,585
baseline
▲ 0.50% · 4.625%
HK$214,317
+HK$10,732/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$407,170/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,761 · Scale 2, in force from 26 Feb 2026)