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$97,162
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,184
−HK$3,071/mo
Today · 4.125%
HK$103,255
baseline
▲ 0.50% · 4.625%
HK$109,538
+HK$6,283/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$206,510/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,810,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,092
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$110,991
−HK$2,941/mo
Today · 4.125%
HK$113,932
baseline
▲ 0.50% · 4.625%
HK$119,937
+HK$6,005/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$227,864/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,810,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,595
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$120,221
−HK$3,685/mo
Today · 4.125%
HK$123,906
baseline
▲ 0.50% · 4.625%
HK$131,446
+HK$7,540/mo
Deposit HK$17.04M · loan HK$25.57M · min. income ≈ HK$247,812/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,810,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,710
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,189
−HK$3,529/mo
Today · 4.125%
HK$136,718
baseline
▲ 0.50% · 4.625%
HK$143,925
+HK$7,207/mo
Deposit HK$17.04M · loan HK$25.57M · min. income ≈ HK$273,436/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,810,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,027
−HK$8,530/mo
▼ 0.25% · 3.875%
HK$140,258
−HK$4,299/mo
Today · 4.125%
HK$144,557
baseline
▲ 0.50% · 4.625%
HK$153,353
+HK$8,796/mo
Deposit HK$12.78M · loan HK$29.83M · min. income ≈ HK$289,114/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,329
−HK$8,176/mo
▼ 0.25% · 3.875%
HK$155,387
−HK$4,118/mo
Today · 4.125%
HK$159,505
baseline
▲ 0.50% · 4.625%
HK$167,912
+HK$8,407/mo
Deposit HK$12.78M · loan HK$29.83M · min. income ≈ HK$319,010/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,892
−HK$10,967/mo
▼ 0.25% · 3.875%
HK$180,332
−HK$5,527/mo
Today · 4.125%
HK$185,859
baseline
▲ 0.50% · 4.625%
HK$197,168
+HK$11,309/mo
Deposit HK$4.26M · loan HK$38.35M · min. income ≈ HK$371,718/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,566
−HK$10,511/mo
▼ 0.25% · 3.875%
HK$199,784
−HK$5,293/mo
Today · 4.125%
HK$205,077
baseline
▲ 0.50% · 4.625%
HK$215,887
+HK$10,810/mo
Deposit HK$4.26M · loan HK$38.35M · min. income ≈ HK$410,154/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,934 · Scale 2, in force from 26 Feb 2026)