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$96,735
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,744
−HK$3,057/mo
Today · 4.125%
HK$102,801
baseline
▲ 0.50% · 4.625%
HK$109,056
+HK$6,255/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$205,602/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,616
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,503
−HK$2,928/mo
Today · 4.125%
HK$113,431
baseline
▲ 0.50% · 4.625%
HK$119,410
+HK$5,979/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$226,862/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,082
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$119,693
−HK$3,668/mo
Today · 4.125%
HK$123,361
baseline
▲ 0.50% · 4.625%
HK$130,867
+HK$7,506/mo
Deposit HK$16.97M · loan HK$25.45M · min. income ≈ HK$246,722/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,140
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$132,603
−HK$3,514/mo
Today · 4.125%
HK$136,117
baseline
▲ 0.50% · 4.625%
HK$143,292
+HK$7,175/mo
Deposit HK$16.97M · loan HK$25.45M · min. income ≈ HK$272,234/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,429
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$139,641
−HK$4,280/mo
Today · 4.125%
HK$143,921
baseline
▲ 0.50% · 4.625%
HK$152,679
+HK$8,758/mo
Deposit HK$12.73M · loan HK$29.70M · min. income ≈ HK$287,842/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,663
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$154,704
−HK$4,099/mo
Today · 4.125%
HK$158,803
baseline
▲ 0.50% · 4.625%
HK$167,174
+HK$8,371/mo
Deposit HK$12.73M · loan HK$29.70M · min. income ≈ HK$317,606/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,123
−HK$10,919/mo
▼ 0.25% · 3.875%
HK$179,539
−HK$5,503/mo
Today · 4.125%
HK$185,042
baseline
▲ 0.50% · 4.625%
HK$196,301
+HK$11,259/mo
Deposit HK$4.24M · loan HK$38.18M · min. income ≈ HK$370,084/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,802,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,710
−HK$10,465/mo
▼ 0.25% · 3.875%
HK$198,905
−HK$5,270/mo
Today · 4.125%
HK$204,175
baseline
▲ 0.50% · 4.625%
HK$214,938
+HK$10,763/mo
Deposit HK$4.24M · loan HK$38.18M · min. income ≈ HK$408,350/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,802,968 · Scale 2, in force from 26 Feb 2026)