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$96,838
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,850
−HK$3,061/mo
Today · 4.125%
HK$102,911
baseline
▲ 0.50% · 4.625%
HK$109,172
+HK$6,261/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$205,822/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,804,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,731
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,621
−HK$2,931/mo
Today · 4.125%
HK$113,552
baseline
▲ 0.50% · 4.625%
HK$119,537
+HK$5,985/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$227,104/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$1,804,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,206
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,820
−HK$3,673/mo
Today · 4.125%
HK$123,493
baseline
▲ 0.50% · 4.625%
HK$131,007
+HK$7,514/mo
Deposit HK$16.99M · loan HK$25.48M · min. income ≈ HK$246,986/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,278
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,745
−HK$3,517/mo
Today · 4.125%
HK$136,262
baseline
▲ 0.50% · 4.625%
HK$143,445
+HK$7,183/mo
Deposit HK$16.99M · loan HK$25.48M · min. income ≈ HK$272,524/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,804,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,573
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$139,790
−HK$4,285/mo
Today · 4.125%
HK$144,075
baseline
▲ 0.50% · 4.625%
HK$152,841
+HK$8,766/mo
Deposit HK$12.74M · loan HK$29.73M · min. income ≈ HK$288,150/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,804,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,824
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$154,869
−HK$4,103/mo
Today · 4.125%
HK$158,972
baseline
▲ 0.50% · 4.625%
HK$167,352
+HK$8,380/mo
Deposit HK$12.74M · loan HK$29.73M · min. income ≈ HK$317,944/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,804,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,308
−HK$10,931/mo
▼ 0.25% · 3.875%
HK$179,730
−HK$5,509/mo
Today · 4.125%
HK$185,239
baseline
▲ 0.50% · 4.625%
HK$196,510
+HK$11,271/mo
Deposit HK$4.25M · loan HK$38.22M · min. income ≈ HK$370,478/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,916
−HK$10,477/mo
▼ 0.25% · 3.875%
HK$199,117
−HK$5,276/mo
Today · 4.125%
HK$204,393
baseline
▲ 0.50% · 4.625%
HK$215,167
+HK$10,774/mo
Deposit HK$4.25M · loan HK$38.22M · min. income ≈ HK$408,786/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,892 · Scale 2, in force from 26 Feb 2026)