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$97,062
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,081
−HK$3,068/mo
Today · 4.125%
HK$103,149
baseline
▲ 0.50% · 4.625%
HK$109,425
+HK$6,276/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$206,298/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,809,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,980
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,876
−HK$2,938/mo
Today · 4.125%
HK$113,814
baseline
▲ 0.50% · 4.625%
HK$119,814
+HK$6,000/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$227,628/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,809,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,474
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$120,097
−HK$3,681/mo
Today · 4.125%
HK$123,778
baseline
▲ 0.50% · 4.625%
HK$131,310
+HK$7,532/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$247,556/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,577
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,052
−HK$3,525/mo
Today · 4.125%
HK$136,577
baseline
▲ 0.50% · 4.625%
HK$143,776
+HK$7,199/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$273,154/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,887
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$140,114
−HK$4,294/mo
Today · 4.125%
HK$144,408
baseline
▲ 0.50% · 4.625%
HK$153,195
+HK$8,787/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$288,816/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,173
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$155,227
−HK$4,113/mo
Today · 4.125%
HK$159,340
baseline
▲ 0.50% · 4.625%
HK$167,739
+HK$8,399/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$318,680/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,712
−HK$10,955/mo
▼ 0.25% · 3.875%
HK$180,146
−HK$5,521/mo
Today · 4.125%
HK$185,667
baseline
▲ 0.50% · 4.625%
HK$196,965
+HK$11,298/mo
Deposit HK$4.26M · loan HK$38.31M · min. income ≈ HK$371,334/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,365
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$199,578
−HK$5,288/mo
Today · 4.125%
HK$204,866
baseline
▲ 0.50% · 4.625%
HK$215,665
+HK$10,799/mo
Deposit HK$4.26M · loan HK$38.31M · min. income ≈ HK$409,732/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,066 · Scale 2, in force from 26 Feb 2026)