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$96,783
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,794
−HK$3,059/mo
Today · 4.125%
HK$102,853
baseline
▲ 0.50% · 4.625%
HK$109,111
+HK$6,258/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$205,706/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,803,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,671
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,558
−HK$2,930/mo
Today · 4.125%
HK$113,488
baseline
▲ 0.50% · 4.625%
HK$119,470
+HK$5,982/mo
Deposit HK$21.22M · loan HK$21.22M · min. income ≈ HK$226,976/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,803,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,140
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$119,753
−HK$3,670/mo
Today · 4.125%
HK$123,423
baseline
▲ 0.50% · 4.625%
HK$130,933
+HK$7,510/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$246,846/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,205
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,670
−HK$3,515/mo
Today · 4.125%
HK$136,185
baseline
▲ 0.50% · 4.625%
HK$143,364
+HK$7,179/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$272,370/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,803,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,497
−HK$8,497/mo
▼ 0.25% · 3.875%
HK$139,712
−HK$4,282/mo
Today · 4.125%
HK$143,994
baseline
▲ 0.50% · 4.625%
HK$152,755
+HK$8,761/mo
Deposit HK$12.73M · loan HK$29.71M · min. income ≈ HK$287,988/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,803,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,739
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$154,782
−HK$4,101/mo
Today · 4.125%
HK$158,883
baseline
▲ 0.50% · 4.625%
HK$167,258
+HK$8,375/mo
Deposit HK$12.73M · loan HK$29.71M · min. income ≈ HK$317,766/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,803,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,210
−HK$10,925/mo
▼ 0.25% · 3.875%
HK$179,629
−HK$5,506/mo
Today · 4.125%
HK$185,135
baseline
▲ 0.50% · 4.625%
HK$196,400
+HK$11,265/mo
Deposit HK$4.24M · loan HK$38.20M · min. income ≈ HK$370,270/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,807
−HK$10,471/mo
▼ 0.25% · 3.875%
HK$199,005
−HK$5,273/mo
Today · 4.125%
HK$204,278
baseline
▲ 0.50% · 4.625%
HK$215,046
+HK$10,768/mo
Deposit HK$4.24M · loan HK$38.20M · min. income ≈ HK$408,556/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,875 · Scale 2, in force from 26 Feb 2026)