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$97,133
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,155
−HK$3,070/mo
Today · 4.125%
HK$103,225
baseline
▲ 0.50% · 4.625%
HK$109,506
+HK$6,281/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$206,450/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,060
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,958
−HK$2,940/mo
Today · 4.125%
HK$113,898
baseline
▲ 0.50% · 4.625%
HK$119,902
+HK$6,004/mo
Deposit HK$21.30M · loan HK$21.30M · min. income ≈ HK$227,796/mo (50% DSR)
Upfront cash ≈ HK$23.11M (deposit + AVD stamp duty HK$1,810,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,560
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$120,186
−HK$3,683/mo
Today · 4.125%
HK$123,869
baseline
▲ 0.50% · 4.625%
HK$131,407
+HK$7,538/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$247,738/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,672
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$133,150
−HK$3,528/mo
Today · 4.125%
HK$136,678
baseline
▲ 0.50% · 4.625%
HK$143,882
+HK$7,204/mo
Deposit HK$17.04M · loan HK$25.56M · min. income ≈ HK$273,356/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,810,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,987
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$140,217
−HK$4,297/mo
Today · 4.125%
HK$144,514
baseline
▲ 0.50% · 4.625%
HK$153,308
+HK$8,794/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$289,028/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,284
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$155,341
−HK$4,116/mo
Today · 4.125%
HK$159,457
baseline
▲ 0.50% · 4.625%
HK$167,863
+HK$8,406/mo
Deposit HK$12.78M · loan HK$29.82M · min. income ≈ HK$318,914/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,810,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,840
−HK$10,964/mo
▼ 0.25% · 3.875%
HK$180,279
−HK$5,525/mo
Today · 4.125%
HK$185,804
baseline
▲ 0.50% · 4.625%
HK$197,110
+HK$11,306/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$371,608/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,508
−HK$10,509/mo
▼ 0.25% · 3.875%
HK$199,725
−HK$5,292/mo
Today · 4.125%
HK$205,017
baseline
▲ 0.50% · 4.625%
HK$215,823
+HK$10,806/mo
Deposit HK$4.26M · loan HK$38.34M · min. income ≈ HK$410,034/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,810,398 · Scale 2, in force from 26 Feb 2026)