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$96,459
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,459
−HK$3,049/mo
Today · 4.125%
HK$102,508
baseline
▲ 0.50% · 4.625%
HK$108,745
+HK$6,237/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$205,016/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,309
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,187
−HK$2,920/mo
Today · 4.125%
HK$113,107
baseline
▲ 0.50% · 4.625%
HK$119,069
+HK$5,962/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$226,214/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,751
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,351
−HK$3,658/mo
Today · 4.125%
HK$123,009
baseline
▲ 0.50% · 4.625%
HK$130,494
+HK$7,485/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$246,018/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,771
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,225
−HK$3,503/mo
Today · 4.125%
HK$135,728
baseline
▲ 0.50% · 4.625%
HK$142,883
+HK$7,155/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$271,456/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,042
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$139,243
−HK$4,268/mo
Today · 4.125%
HK$143,511
baseline
▲ 0.50% · 4.625%
HK$152,243
+HK$8,732/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$287,022/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,233
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$154,262
−HK$4,088/mo
Today · 4.125%
HK$158,350
baseline
▲ 0.50% · 4.625%
HK$166,697
+HK$8,347/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$316,700/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,626
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$179,027
−HK$5,487/mo
Today · 4.125%
HK$184,514
baseline
▲ 0.50% · 4.625%
HK$195,741
+HK$11,227/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$369,028/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,157
−HK$10,436/mo
▼ 0.25% · 3.875%
HK$198,337
−HK$5,256/mo
Today · 4.125%
HK$203,593
baseline
▲ 0.50% · 4.625%
HK$214,324
+HK$10,731/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$407,186/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,823 · Scale 2, in force from 26 Feb 2026)