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$97,199
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,223
−HK$3,072/mo
Today · 4.125%
HK$103,295
baseline
▲ 0.50% · 4.625%
HK$109,580
+HK$6,285/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$206,590/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,811,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,133
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,033
−HK$2,943/mo
Today · 4.125%
HK$113,976
baseline
▲ 0.50% · 4.625%
HK$119,983
+HK$6,007/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$227,952/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$1,811,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,639
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,267
−HK$3,687/mo
Today · 4.125%
HK$123,954
baseline
▲ 0.50% · 4.625%
HK$131,496
+HK$7,542/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$247,908/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,760
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,240
−HK$3,531/mo
Today · 4.125%
HK$136,771
baseline
▲ 0.50% · 4.625%
HK$143,980
+HK$7,209/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$273,542/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,079
−HK$8,534/mo
▼ 0.25% · 3.875%
HK$140,312
−HK$4,301/mo
Today · 4.125%
HK$144,613
baseline
▲ 0.50% · 4.625%
HK$153,412
+HK$8,799/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$289,226/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,387
−HK$8,179/mo
▼ 0.25% · 3.875%
HK$155,447
−HK$4,119/mo
Today · 4.125%
HK$159,566
baseline
▲ 0.50% · 4.625%
HK$167,977
+HK$8,411/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$319,132/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,959
−HK$10,971/mo
▼ 0.25% · 3.875%
HK$180,401
−HK$5,529/mo
Today · 4.125%
HK$185,930
baseline
▲ 0.50% · 4.625%
HK$197,244
+HK$11,314/mo
Deposit HK$4.26M · loan HK$38.36M · min. income ≈ HK$371,860/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,640
−HK$10,516/mo
▼ 0.25% · 3.875%
HK$199,860
−HK$5,296/mo
Today · 4.125%
HK$205,156
baseline
▲ 0.50% · 4.625%
HK$215,970
+HK$10,814/mo
Deposit HK$4.26M · loan HK$38.36M · min. income ≈ HK$410,312/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,629 · Scale 2, in force from 26 Feb 2026)