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$96,768
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,778
−HK$3,058/mo
Today · 4.125%
HK$102,836
baseline
▲ 0.50% · 4.625%
HK$109,093
+HK$6,257/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$205,672/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,653
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,540
−HK$2,929/mo
Today · 4.125%
HK$113,469
baseline
▲ 0.50% · 4.625%
HK$119,450
+HK$5,981/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$226,938/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,121
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,733
−HK$3,670/mo
Today · 4.125%
HK$123,403
baseline
▲ 0.50% · 4.625%
HK$130,912
+HK$7,509/mo
Deposit HK$16.97M · loan HK$25.46M · min. income ≈ HK$246,806/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,184
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$132,648
−HK$3,515/mo
Today · 4.125%
HK$136,163
baseline
▲ 0.50% · 4.625%
HK$143,341
+HK$7,178/mo
Deposit HK$16.97M · loan HK$25.46M · min. income ≈ HK$272,326/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,475
−HK$8,495/mo
▼ 0.25% · 3.875%
HK$139,689
−HK$4,281/mo
Today · 4.125%
HK$143,970
baseline
▲ 0.50% · 4.625%
HK$152,731
+HK$8,761/mo
Deposit HK$12.73M · loan HK$29.71M · min. income ≈ HK$287,940/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,803,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,714
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$154,757
−HK$4,100/mo
Today · 4.125%
HK$158,857
baseline
▲ 0.50% · 4.625%
HK$167,231
+HK$8,374/mo
Deposit HK$12.73M · loan HK$29.71M · min. income ≈ HK$317,714/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,803,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,182
−HK$10,923/mo
▼ 0.25% · 3.875%
HK$179,600
−HK$5,505/mo
Today · 4.125%
HK$185,105
baseline
▲ 0.50% · 4.625%
HK$196,368
+HK$11,263/mo
Deposit HK$4.24M · loan HK$38.19M · min. income ≈ HK$370,210/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,776
−HK$10,469/mo
▼ 0.25% · 3.875%
HK$198,973
−HK$5,272/mo
Today · 4.125%
HK$204,245
baseline
▲ 0.50% · 4.625%
HK$215,011
+HK$10,766/mo
Deposit HK$4.24M · loan HK$38.19M · min. income ≈ HK$408,490/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,583 · Scale 2, in force from 26 Feb 2026)