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$96,988
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,005
−HK$3,065/mo
Today · 4.125%
HK$103,070
baseline
▲ 0.50% · 4.625%
HK$109,342
+HK$6,272/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$206,140/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,899
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,792
−HK$2,936/mo
Today · 4.125%
HK$113,728
baseline
▲ 0.50% · 4.625%
HK$119,723
+HK$5,995/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$227,456/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,386
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$120,006
−HK$3,678/mo
Today · 4.125%
HK$123,684
baseline
▲ 0.50% · 4.625%
HK$131,210
+HK$7,526/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$247,368/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,478
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$132,951
−HK$3,523/mo
Today · 4.125%
HK$136,474
baseline
▲ 0.50% · 4.625%
HK$143,667
+HK$7,193/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$272,948/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,784
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$140,007
−HK$4,292/mo
Today · 4.125%
HK$144,299
baseline
▲ 0.50% · 4.625%
HK$153,079
+HK$8,780/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$288,598/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,058
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$155,109
−HK$4,110/mo
Today · 4.125%
HK$159,219
baseline
▲ 0.50% · 4.625%
HK$167,612
+HK$8,393/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$318,438/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,579
−HK$10,948/mo
▼ 0.25% · 3.875%
HK$180,009
−HK$5,518/mo
Today · 4.125%
HK$185,527
baseline
▲ 0.50% · 4.625%
HK$196,816
+HK$11,289/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$371,054/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,217
−HK$10,493/mo
▼ 0.25% · 3.875%
HK$199,426
−HK$5,284/mo
Today · 4.125%
HK$204,710
baseline
▲ 0.50% · 4.625%
HK$215,501
+HK$10,791/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$409,420/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,694 · Scale 2, in force from 26 Feb 2026)