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$97,254
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,279
−HK$3,073/mo
Today · 4.125%
HK$103,352
baseline
▲ 0.50% · 4.625%
HK$109,641
+HK$6,289/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$206,704/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,194
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,095
−HK$2,944/mo
Today · 4.125%
HK$114,039
baseline
▲ 0.50% · 4.625%
HK$120,050
+HK$6,011/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$228,078/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,704
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$120,334
−HK$3,689/mo
Today · 4.125%
HK$124,023
baseline
▲ 0.50% · 4.625%
HK$131,569
+HK$7,546/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$248,046/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,832
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,314
−HK$3,533/mo
Today · 4.125%
HK$136,847
baseline
▲ 0.50% · 4.625%
HK$144,060
+HK$7,213/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$273,694/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,155
−HK$8,538/mo
▼ 0.25% · 3.875%
HK$140,390
−HK$4,303/mo
Today · 4.125%
HK$144,693
baseline
▲ 0.50% · 4.625%
HK$153,497
+HK$8,804/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$289,386/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,471
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$155,533
−HK$4,122/mo
Today · 4.125%
HK$159,655
baseline
▲ 0.50% · 4.625%
HK$168,070
+HK$8,415/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$319,310/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,056
−HK$10,978/mo
▼ 0.25% · 3.875%
HK$180,502
−HK$5,532/mo
Today · 4.125%
HK$186,034
baseline
▲ 0.50% · 4.625%
HK$197,354
+HK$11,320/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$372,068/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,748
−HK$10,522/mo
▼ 0.25% · 3.875%
HK$199,972
−HK$5,298/mo
Today · 4.125%
HK$205,270
baseline
▲ 0.50% · 4.625%
HK$216,090
+HK$10,820/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$410,540/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,637 · Scale 2, in force from 26 Feb 2026)