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$96,691
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$99,698
−HK$3,056/mo
Today · 4.125%
HK$102,754
baseline
▲ 0.50% · 4.625%
HK$109,006
+HK$6,252/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$205,508/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,802,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,568
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,452
−HK$2,927/mo
Today · 4.125%
HK$113,379
baseline
▲ 0.50% · 4.625%
HK$119,355
+HK$5,976/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$226,758/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,802,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,029
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,638
−HK$3,667/mo
Today · 4.125%
HK$123,305
baseline
▲ 0.50% · 4.625%
HK$130,808
+HK$7,503/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$246,610/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,802,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,081
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$132,543
−HK$3,512/mo
Today · 4.125%
HK$136,055
baseline
▲ 0.50% · 4.625%
HK$143,227
+HK$7,172/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$272,110/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,802,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,367
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,578
−HK$4,278/mo
Today · 4.125%
HK$143,856
baseline
▲ 0.50% · 4.625%
HK$152,609
+HK$8,753/mo
Deposit HK$12.72M · loan HK$29.68M · min. income ≈ HK$287,712/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,595
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$154,633
−HK$4,098/mo
Today · 4.125%
HK$158,731
baseline
▲ 0.50% · 4.625%
HK$167,098
+HK$8,367/mo
Deposit HK$12.72M · loan HK$29.68M · min. income ≈ HK$317,462/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,043
−HK$10,914/mo
▼ 0.25% · 3.875%
HK$179,457
−HK$5,500/mo
Today · 4.125%
HK$184,957
baseline
▲ 0.50% · 4.625%
HK$196,212
+HK$11,255/mo
Deposit HK$4.24M · loan HK$38.16M · min. income ≈ HK$369,914/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,622
−HK$10,460/mo
▼ 0.25% · 3.875%
HK$198,814
−HK$5,268/mo
Today · 4.125%
HK$204,082
baseline
▲ 0.50% · 4.625%
HK$214,840
+HK$10,758/mo
Deposit HK$4.24M · loan HK$38.16M · min. income ≈ HK$408,164/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,148 · Scale 2, in force from 26 Feb 2026)