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$97,042
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,061
−HK$3,067/mo
Today · 4.125%
HK$103,128
baseline
▲ 0.50% · 4.625%
HK$109,403
+HK$6,275/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$206,256/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,808,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,959
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,854
−HK$2,937/mo
Today · 4.125%
HK$113,791
baseline
▲ 0.50% · 4.625%
HK$119,790
+HK$5,999/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$227,582/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,808,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,451
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$120,073
−HK$3,680/mo
Today · 4.125%
HK$123,753
baseline
▲ 0.50% · 4.625%
HK$131,284
+HK$7,531/mo
Deposit HK$17.02M · loan HK$25.53M · min. income ≈ HK$247,506/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,551
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,025
−HK$3,525/mo
Today · 4.125%
HK$136,550
baseline
▲ 0.50% · 4.625%
HK$143,747
+HK$7,197/mo
Deposit HK$17.02M · loan HK$25.53M · min. income ≈ HK$273,100/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,859
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$140,085
−HK$4,294/mo
Today · 4.125%
HK$144,379
baseline
▲ 0.50% · 4.625%
HK$153,164
+HK$8,785/mo
Deposit HK$12.77M · loan HK$29.79M · min. income ≈ HK$288,758/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,808,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,142
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$155,196
−HK$4,112/mo
Today · 4.125%
HK$159,308
baseline
▲ 0.50% · 4.625%
HK$167,705
+HK$8,397/mo
Deposit HK$12.77M · loan HK$29.79M · min. income ≈ HK$318,616/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,808,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,676
−HK$10,954/mo
▼ 0.25% · 3.875%
HK$180,110
−HK$5,520/mo
Today · 4.125%
HK$185,630
baseline
▲ 0.50% · 4.625%
HK$196,925
+HK$11,295/mo
Deposit HK$4.26M · loan HK$38.30M · min. income ≈ HK$371,260/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,326
−HK$10,499/mo
▼ 0.25% · 3.875%
HK$199,537
−HK$5,288/mo
Today · 4.125%
HK$204,825
baseline
▲ 0.50% · 4.625%
HK$215,621
+HK$10,796/mo
Deposit HK$4.26M · loan HK$38.30M · min. income ≈ HK$409,650/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,702 · Scale 2, in force from 26 Feb 2026)