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$97,095
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,115
−HK$3,069/mo
Today · 4.125%
HK$103,184
baseline
▲ 0.50% · 4.625%
HK$109,462
+HK$6,278/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$206,368/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,017
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,914
−HK$2,939/mo
Today · 4.125%
HK$113,853
baseline
▲ 0.50% · 4.625%
HK$119,855
+HK$6,002/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$227,706/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,514
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,138
−HK$3,683/mo
Today · 4.125%
HK$123,821
baseline
▲ 0.50% · 4.625%
HK$131,355
+HK$7,534/mo
Deposit HK$17.03M · loan HK$25.55M · min. income ≈ HK$247,642/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,621
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,097
−HK$3,527/mo
Today · 4.125%
HK$136,624
baseline
▲ 0.50% · 4.625%
HK$143,825
+HK$7,201/mo
Deposit HK$17.03M · loan HK$25.55M · min. income ≈ HK$273,248/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,933
−HK$8,524/mo
▼ 0.25% · 3.875%
HK$140,161
−HK$4,296/mo
Today · 4.125%
HK$144,457
baseline
▲ 0.50% · 4.625%
HK$153,247
+HK$8,790/mo
Deposit HK$12.77M · loan HK$29.81M · min. income ≈ HK$288,914/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,224
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$155,280
−HK$4,114/mo
Today · 4.125%
HK$159,394
baseline
▲ 0.50% · 4.625%
HK$167,796
+HK$8,402/mo
Deposit HK$12.77M · loan HK$29.81M · min. income ≈ HK$318,788/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,771
−HK$10,960/mo
▼ 0.25% · 3.875%
HK$180,208
−HK$5,523/mo
Today · 4.125%
HK$185,731
baseline
▲ 0.50% · 4.625%
HK$197,032
+HK$11,301/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$371,462/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,431
−HK$10,505/mo
▼ 0.25% · 3.875%
HK$199,646
−HK$5,290/mo
Today · 4.125%
HK$204,936
baseline
▲ 0.50% · 4.625%
HK$215,738
+HK$10,802/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$409,872/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,684 · Scale 2, in force from 26 Feb 2026)