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$97,353
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,381
−HK$3,077/mo
Today · 4.125%
HK$103,458
baseline
▲ 0.50% · 4.625%
HK$109,753
+HK$6,295/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,916/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,304
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,209
−HK$2,947/mo
Today · 4.125%
HK$114,156
baseline
▲ 0.50% · 4.625%
HK$120,173
+HK$6,017/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,312/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,824
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$120,457
−HK$3,692/mo
Today · 4.125%
HK$124,149
baseline
▲ 0.50% · 4.625%
HK$131,704
+HK$7,555/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,298/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,965
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$133,451
−HK$3,536/mo
Today · 4.125%
HK$136,987
baseline
▲ 0.50% · 4.625%
HK$144,207
+HK$7,220/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$273,974/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,294
−HK$8,547/mo
▼ 0.25% · 3.875%
HK$140,534
−HK$4,307/mo
Today · 4.125%
HK$144,841
baseline
▲ 0.50% · 4.625%
HK$153,654
+HK$8,813/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$289,682/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,626
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$155,692
−HK$4,126/mo
Today · 4.125%
HK$159,818
baseline
▲ 0.50% · 4.625%
HK$168,242
+HK$8,424/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$319,636/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,235
−HK$10,989/mo
▼ 0.25% · 3.875%
HK$180,686
−HK$5,538/mo
Today · 4.125%
HK$186,224
baseline
▲ 0.50% · 4.625%
HK$197,555
+HK$11,331/mo
Deposit HK$4.27M · loan HK$38.42M · min. income ≈ HK$372,448/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,947
−HK$10,533/mo
▼ 0.25% · 3.875%
HK$200,176
−HK$5,304/mo
Today · 4.125%
HK$205,480
baseline
▲ 0.50% · 4.625%
HK$216,311
+HK$10,831/mo
Deposit HK$4.27M · loan HK$38.42M · min. income ≈ HK$410,960/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,489 · Scale 2, in force from 26 Feb 2026)