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$96,809
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,821
−HK$3,059/mo
Today · 4.125%
HK$102,880
baseline
▲ 0.50% · 4.625%
HK$109,140
+HK$6,260/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$205,760/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,699
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,588
−HK$2,930/mo
Today · 4.125%
HK$113,518
baseline
▲ 0.50% · 4.625%
HK$119,502
+HK$5,984/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$227,036/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,171
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,785
−HK$3,671/mo
Today · 4.125%
HK$123,456
baseline
▲ 0.50% · 4.625%
HK$130,968
+HK$7,512/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$246,912/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,239
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,705
−HK$3,517/mo
Today · 4.125%
HK$136,222
baseline
▲ 0.50% · 4.625%
HK$143,402
+HK$7,180/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$272,444/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,533
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$139,749
−HK$4,283/mo
Today · 4.125%
HK$144,032
baseline
▲ 0.50% · 4.625%
HK$152,796
+HK$8,764/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$288,064/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,779
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$154,823
−HK$4,102/mo
Today · 4.125%
HK$158,925
baseline
▲ 0.50% · 4.625%
HK$167,302
+HK$8,377/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$317,850/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,257
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$179,677
−HK$5,507/mo
Today · 4.125%
HK$185,184
baseline
▲ 0.50% · 4.625%
HK$196,452
+HK$11,268/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$370,368/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,859
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,058
−HK$5,274/mo
Today · 4.125%
HK$204,332
baseline
▲ 0.50% · 4.625%
HK$215,103
+HK$10,771/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$408,664/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,356 · Scale 2, in force from 26 Feb 2026)