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$97,247
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,272
−HK$3,073/mo
Today · 4.125%
HK$103,345
baseline
▲ 0.50% · 4.625%
HK$109,634
+HK$6,289/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,690/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,186
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,088
−HK$2,943/mo
Today · 4.125%
HK$114,031
baseline
▲ 0.50% · 4.625%
HK$120,042
+HK$6,011/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$228,062/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,697
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$120,327
−HK$3,687/mo
Today · 4.125%
HK$124,014
baseline
▲ 0.50% · 4.625%
HK$131,560
+HK$7,546/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$248,028/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,824
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$133,306
−HK$3,532/mo
Today · 4.125%
HK$136,838
baseline
▲ 0.50% · 4.625%
HK$144,051
+HK$7,213/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$273,676/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,146
−HK$8,538/mo
▼ 0.25% · 3.875%
HK$140,381
−HK$4,303/mo
Today · 4.125%
HK$144,684
baseline
▲ 0.50% · 4.625%
HK$153,487
+HK$8,803/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$289,368/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,461
−HK$8,183/mo
▼ 0.25% · 3.875%
HK$155,523
−HK$4,121/mo
Today · 4.125%
HK$159,644
baseline
▲ 0.50% · 4.625%
HK$168,059
+HK$8,415/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$319,288/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,045
−HK$10,977/mo
▼ 0.25% · 3.875%
HK$180,490
−HK$5,532/mo
Today · 4.125%
HK$186,022
baseline
▲ 0.50% · 4.625%
HK$197,341
+HK$11,319/mo
Deposit HK$4.26M · loan HK$38.38M · min. income ≈ HK$372,044/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,736
−HK$10,521/mo
▼ 0.25% · 3.875%
HK$199,958
−HK$5,299/mo
Today · 4.125%
HK$205,257
baseline
▲ 0.50% · 4.625%
HK$216,076
+HK$10,819/mo
Deposit HK$4.26M · loan HK$38.38M · min. income ≈ HK$410,514/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,518 · Scale 2, in force from 26 Feb 2026)