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$97,129
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,151
−HK$3,069/mo
Today · 4.125%
HK$103,220
baseline
▲ 0.50% · 4.625%
HK$109,501
+HK$6,281/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$206,440/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,056
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,953
−HK$2,940/mo
Today · 4.125%
HK$113,893
baseline
▲ 0.50% · 4.625%
HK$119,897
+HK$6,004/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$227,786/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,555
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$120,181
−HK$3,683/mo
Today · 4.125%
HK$123,864
baseline
▲ 0.50% · 4.625%
HK$131,401
+HK$7,537/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$247,728/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,667
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,144
−HK$3,528/mo
Today · 4.125%
HK$136,672
baseline
▲ 0.50% · 4.625%
HK$143,876
+HK$7,204/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$273,344/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,981
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$140,211
−HK$4,297/mo
Today · 4.125%
HK$144,508
baseline
▲ 0.50% · 4.625%
HK$153,301
+HK$8,793/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$289,016/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,278
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$155,335
−HK$4,116/mo
Today · 4.125%
HK$159,451
baseline
▲ 0.50% · 4.625%
HK$167,856
+HK$8,405/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$318,902/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,833
−HK$10,964/mo
▼ 0.25% · 3.875%
HK$180,271
−HK$5,526/mo
Today · 4.125%
HK$185,797
baseline
▲ 0.50% · 4.625%
HK$197,102
+HK$11,305/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$371,594/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,500
−HK$10,508/mo
▼ 0.25% · 3.875%
HK$199,716
−HK$5,292/mo
Today · 4.125%
HK$205,008
baseline
▲ 0.50% · 4.625%
HK$215,814
+HK$10,806/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$410,016/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,323 · Scale 2, in force from 26 Feb 2026)