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$97,328
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,356
−HK$3,075/mo
Today · 4.125%
HK$103,431
baseline
▲ 0.50% · 4.625%
HK$109,725
+HK$6,294/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$206,862/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,277
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,181
−HK$2,945/mo
Today · 4.125%
HK$114,126
baseline
▲ 0.50% · 4.625%
HK$120,142
+HK$6,016/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$228,252/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,794
−HK$7,324/mo
▼ 0.25% · 3.875%
HK$120,427
−HK$3,691/mo
Today · 4.125%
HK$124,118
baseline
▲ 0.50% · 4.625%
HK$131,670
+HK$7,552/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$248,236/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,932
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$133,417
−HK$3,535/mo
Today · 4.125%
HK$136,952
baseline
▲ 0.50% · 4.625%
HK$144,171
+HK$7,219/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$273,904/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,259
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,498
−HK$4,306/mo
Today · 4.125%
HK$144,804
baseline
▲ 0.50% · 4.625%
HK$153,615
+HK$8,811/mo
Deposit HK$12.80M · loan HK$29.88M · min. income ≈ HK$289,608/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,587
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$155,653
−HK$4,124/mo
Today · 4.125%
HK$159,777
baseline
▲ 0.50% · 4.625%
HK$168,199
+HK$8,422/mo
Deposit HK$12.80M · loan HK$29.88M · min. income ≈ HK$319,554/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,191
−HK$10,986/mo
▼ 0.25% · 3.875%
HK$180,640
−HK$5,537/mo
Today · 4.125%
HK$186,177
baseline
▲ 0.50% · 4.625%
HK$197,505
+HK$11,328/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$372,354/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,898
−HK$10,530/mo
▼ 0.25% · 3.875%
HK$200,125
−HK$5,303/mo
Today · 4.125%
HK$205,428
baseline
▲ 0.50% · 4.625%
HK$216,256
+HK$10,828/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$410,856/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,027 · Scale 2, in force from 26 Feb 2026)