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$97,259
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,284
−HK$3,074/mo
Today · 4.125%
HK$103,358
baseline
▲ 0.50% · 4.625%
HK$109,647
+HK$6,289/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$206,716/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,199
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,101
−HK$2,944/mo
Today · 4.125%
HK$114,045
baseline
▲ 0.50% · 4.625%
HK$120,056
+HK$6,011/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$228,090/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,710
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$120,341
−HK$3,688/mo
Today · 4.125%
HK$124,029
baseline
▲ 0.50% · 4.625%
HK$131,576
+HK$7,547/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$248,058/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,839
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,321
−HK$3,533/mo
Today · 4.125%
HK$136,854
baseline
▲ 0.50% · 4.625%
HK$144,068
+HK$7,214/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$273,708/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,162
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$140,398
−HK$4,303/mo
Today · 4.125%
HK$144,701
baseline
▲ 0.50% · 4.625%
HK$153,505
+HK$8,804/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$289,402/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,479
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$155,542
−HK$4,121/mo
Today · 4.125%
HK$159,663
baseline
▲ 0.50% · 4.625%
HK$168,079
+HK$8,416/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$319,326/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,066
−HK$10,978/mo
▼ 0.25% · 3.875%
HK$180,511
−HK$5,533/mo
Today · 4.125%
HK$186,044
baseline
▲ 0.50% · 4.625%
HK$197,364
+HK$11,320/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$372,088/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,759
−HK$10,522/mo
▼ 0.25% · 3.875%
HK$199,982
−HK$5,299/mo
Today · 4.125%
HK$205,281
baseline
▲ 0.50% · 4.625%
HK$216,102
+HK$10,821/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$410,562/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,732 · Scale 2, in force from 26 Feb 2026)