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$96,832
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,844
−HK$3,060/mo
Today · 4.125%
HK$102,904
baseline
▲ 0.50% · 4.625%
HK$109,166
+HK$6,262/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$205,808/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,804,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,725
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,614
−HK$2,931/mo
Today · 4.125%
HK$113,545
baseline
▲ 0.50% · 4.625%
HK$119,530
+HK$5,985/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$227,090/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,804,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,198
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,813
−HK$3,672/mo
Today · 4.125%
HK$123,485
baseline
▲ 0.50% · 4.625%
HK$130,999
+HK$7,514/mo
Deposit HK$16.99M · loan HK$25.48M · min. income ≈ HK$246,970/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,269
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$132,736
−HK$3,518/mo
Today · 4.125%
HK$136,254
baseline
▲ 0.50% · 4.625%
HK$143,436
+HK$7,182/mo
Deposit HK$16.99M · loan HK$25.48M · min. income ≈ HK$272,508/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,565
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$139,782
−HK$4,284/mo
Today · 4.125%
HK$144,066
baseline
▲ 0.50% · 4.625%
HK$152,832
+HK$8,766/mo
Deposit HK$12.74M · loan HK$29.73M · min. income ≈ HK$288,132/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,814
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$154,859
−HK$4,103/mo
Today · 4.125%
HK$158,962
baseline
▲ 0.50% · 4.625%
HK$167,342
+HK$8,380/mo
Deposit HK$12.74M · loan HK$29.73M · min. income ≈ HK$317,924/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,298
−HK$10,930/mo
▼ 0.25% · 3.875%
HK$179,719
−HK$5,509/mo
Today · 4.125%
HK$185,228
baseline
▲ 0.50% · 4.625%
HK$196,498
+HK$11,270/mo
Deposit HK$4.25M · loan HK$38.22M · min. income ≈ HK$370,456/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,904
−HK$10,476/mo
▼ 0.25% · 3.875%
HK$199,105
−HK$5,275/mo
Today · 4.125%
HK$204,380
baseline
▲ 0.50% · 4.625%
HK$215,153
+HK$10,773/mo
Deposit HK$4.25M · loan HK$38.22M · min. income ≈ HK$408,760/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,779 · Scale 2, in force from 26 Feb 2026)