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$96,715
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,723
−HK$3,057/mo
Today · 4.125%
HK$102,780
baseline
▲ 0.50% · 4.625%
HK$109,033
+HK$6,253/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$205,560/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,594
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,480
−HK$2,927/mo
Today · 4.125%
HK$113,407
baseline
▲ 0.50% · 4.625%
HK$119,385
+HK$5,978/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$226,814/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,058
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$119,668
−HK$3,668/mo
Today · 4.125%
HK$123,336
baseline
▲ 0.50% · 4.625%
HK$130,840
+HK$7,504/mo
Deposit HK$16.97M · loan HK$25.45M · min. income ≈ HK$246,672/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,113
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$132,576
−HK$3,513/mo
Today · 4.125%
HK$136,089
baseline
▲ 0.50% · 4.625%
HK$143,262
+HK$7,173/mo
Deposit HK$16.97M · loan HK$25.45M · min. income ≈ HK$272,178/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,401
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$139,612
−HK$4,279/mo
Today · 4.125%
HK$143,891
baseline
▲ 0.50% · 4.625%
HK$152,647
+HK$8,756/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$287,782/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,632
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$154,672
−HK$4,098/mo
Today · 4.125%
HK$158,770
baseline
▲ 0.50% · 4.625%
HK$167,139
+HK$8,369/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$317,540/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,802,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,086
−HK$10,917/mo
▼ 0.25% · 3.875%
HK$179,502
−HK$5,501/mo
Today · 4.125%
HK$185,003
baseline
▲ 0.50% · 4.625%
HK$196,260
+HK$11,257/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$370,006/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,669
−HK$10,464/mo
▼ 0.25% · 3.875%
HK$198,864
−HK$5,269/mo
Today · 4.125%
HK$204,133
baseline
▲ 0.50% · 4.625%
HK$214,893
+HK$10,760/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$408,266/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,594 · Scale 2, in force from 26 Feb 2026)