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$97,009
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,027
−HK$3,066/mo
Today · 4.125%
HK$103,093
baseline
▲ 0.50% · 4.625%
HK$109,366
+HK$6,273/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$206,186/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,808,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,922
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,816
−HK$2,937/mo
Today · 4.125%
HK$113,753
baseline
▲ 0.50% · 4.625%
HK$119,749
+HK$5,996/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$227,506/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,808,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,411
−HK$7,300/mo
▼ 0.25% · 3.875%
HK$120,032
−HK$3,679/mo
Today · 4.125%
HK$123,711
baseline
▲ 0.50% · 4.625%
HK$131,239
+HK$7,528/mo
Deposit HK$17.02M · loan HK$25.53M · min. income ≈ HK$247,422/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,506
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$132,980
−HK$3,523/mo
Today · 4.125%
HK$136,503
baseline
▲ 0.50% · 4.625%
HK$143,698
+HK$7,195/mo
Deposit HK$17.02M · loan HK$25.53M · min. income ≈ HK$273,006/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,813
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$140,038
−HK$4,292/mo
Today · 4.125%
HK$144,330
baseline
▲ 0.50% · 4.625%
HK$153,112
+HK$8,782/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$288,660/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,808,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,091
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$155,143
−HK$4,111/mo
Today · 4.125%
HK$159,254
baseline
▲ 0.50% · 4.625%
HK$167,648
+HK$8,394/mo
Deposit HK$12.76M · loan HK$29.78M · min. income ≈ HK$318,508/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,808,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,617
−HK$10,950/mo
▼ 0.25% · 3.875%
HK$180,048
−HK$5,519/mo
Today · 4.125%
HK$185,567
baseline
▲ 0.50% · 4.625%
HK$196,858
+HK$11,291/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$371,134/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,259
−HK$10,496/mo
▼ 0.25% · 3.875%
HK$199,469
−HK$5,286/mo
Today · 4.125%
HK$204,755
baseline
▲ 0.50% · 4.625%
HK$215,548
+HK$10,793/mo
Deposit HK$4.25M · loan HK$38.29M · min. income ≈ HK$409,510/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,085 · Scale 2, in force from 26 Feb 2026)