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$96,725
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,733
−HK$3,057/mo
Today · 4.125%
HK$102,790
baseline
▲ 0.50% · 4.625%
HK$109,045
+HK$6,255/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$205,580/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,605
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,491
−HK$2,928/mo
Today · 4.125%
HK$113,419
baseline
▲ 0.50% · 4.625%
HK$119,397
+HK$5,978/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$226,838/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,069
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$119,680
−HK$3,668/mo
Today · 4.125%
HK$123,348
baseline
▲ 0.50% · 4.625%
HK$130,853
+HK$7,505/mo
Deposit HK$16.97M · loan HK$25.45M · min. income ≈ HK$246,696/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,126
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$132,589
−HK$3,513/mo
Today · 4.125%
HK$136,102
baseline
▲ 0.50% · 4.625%
HK$143,277
+HK$7,175/mo
Deposit HK$16.97M · loan HK$25.45M · min. income ≈ HK$272,204/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,414
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$139,627
−HK$4,279/mo
Today · 4.125%
HK$143,906
baseline
▲ 0.50% · 4.625%
HK$152,662
+HK$8,756/mo
Deposit HK$12.73M · loan HK$29.69M · min. income ≈ HK$287,812/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,647
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$154,687
−HK$4,099/mo
Today · 4.125%
HK$158,786
baseline
▲ 0.50% · 4.625%
HK$167,156
+HK$8,370/mo
Deposit HK$12.73M · loan HK$29.69M · min. income ≈ HK$317,572/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,104
−HK$10,918/mo
▼ 0.25% · 3.875%
HK$179,520
−HK$5,502/mo
Today · 4.125%
HK$185,022
baseline
▲ 0.50% · 4.625%
HK$196,280
+HK$11,258/mo
Deposit HK$4.24M · loan HK$38.18M · min. income ≈ HK$370,044/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,689
−HK$10,465/mo
▼ 0.25% · 3.875%
HK$198,884
−HK$5,270/mo
Today · 4.125%
HK$204,154
baseline
▲ 0.50% · 4.625%
HK$214,915
+HK$10,761/mo
Deposit HK$4.24M · loan HK$38.18M · min. income ≈ HK$408,308/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,777 · Scale 2, in force from 26 Feb 2026)