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$97,150
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,172
−HK$3,071/mo
Today · 4.125%
HK$103,243
baseline
▲ 0.50% · 4.625%
HK$109,525
+HK$6,282/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$206,486/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,079
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,977
−HK$2,941/mo
Today · 4.125%
HK$113,918
baseline
▲ 0.50% · 4.625%
HK$119,923
+HK$6,005/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$227,836/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,580
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$120,207
−HK$3,684/mo
Today · 4.125%
HK$123,891
baseline
▲ 0.50% · 4.625%
HK$131,430
+HK$7,539/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$247,782/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,695
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$133,173
−HK$3,529/mo
Today · 4.125%
HK$136,702
baseline
▲ 0.50% · 4.625%
HK$143,907
+HK$7,205/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$273,404/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,011
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$140,241
−HK$4,299/mo
Today · 4.125%
HK$144,540
baseline
▲ 0.50% · 4.625%
HK$153,335
+HK$8,795/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$289,080/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,310
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$155,368
−HK$4,117/mo
Today · 4.125%
HK$159,485
baseline
▲ 0.50% · 4.625%
HK$167,892
+HK$8,407/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$318,970/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,871
−HK$10,966/mo
▼ 0.25% · 3.875%
HK$180,310
−HK$5,527/mo
Today · 4.125%
HK$185,837
baseline
▲ 0.50% · 4.625%
HK$197,144
+HK$11,307/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$371,674/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,542
−HK$10,510/mo
▼ 0.25% · 3.875%
HK$199,759
−HK$5,293/mo
Today · 4.125%
HK$205,052
baseline
▲ 0.50% · 4.625%
HK$215,861
+HK$10,809/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$410,104/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,714 · Scale 2, in force from 26 Feb 2026)