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$97,377
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,406
−HK$3,078/mo
Today · 4.125%
HK$103,484
baseline
▲ 0.50% · 4.625%
HK$109,780
+HK$6,296/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,968/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,814,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,331
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,237
−HK$2,947/mo
Today · 4.125%
HK$114,184
baseline
▲ 0.50% · 4.625%
HK$120,203
+HK$6,019/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,368/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,814,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,853
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,487
−HK$3,693/mo
Today · 4.125%
HK$124,180
baseline
▲ 0.50% · 4.625%
HK$131,736
+HK$7,556/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,360/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,814,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,997
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,484
−HK$3,537/mo
Today · 4.125%
HK$137,021
baseline
▲ 0.50% · 4.625%
HK$144,243
+HK$7,222/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$274,042/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,814,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,328
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$140,569
−HK$4,308/mo
Today · 4.125%
HK$144,877
baseline
▲ 0.50% · 4.625%
HK$153,693
+HK$8,816/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$289,754/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,814,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,664
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$155,731
−HK$4,127/mo
Today · 4.125%
HK$159,858
baseline
▲ 0.50% · 4.625%
HK$168,284
+HK$8,426/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$319,716/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,814,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,279
−HK$10,992/mo
▼ 0.25% · 3.875%
HK$180,731
−HK$5,540/mo
Today · 4.125%
HK$186,271
baseline
▲ 0.50% · 4.625%
HK$197,605
+HK$11,334/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$372,542/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,814,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,996
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$200,226
−HK$5,305/mo
Today · 4.125%
HK$205,531
baseline
▲ 0.50% · 4.625%
HK$216,365
+HK$10,834/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$411,062/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,814,942 · Scale 2, in force from 26 Feb 2026)