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$97,314
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,341
−HK$3,075/mo
Today · 4.125%
HK$103,416
baseline
▲ 0.50% · 4.625%
HK$109,709
+HK$6,293/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$206,832/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,261
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,164
−HK$2,946/mo
Today · 4.125%
HK$114,110
baseline
▲ 0.50% · 4.625%
HK$120,124
+HK$6,014/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$228,220/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,776
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,409
−HK$3,690/mo
Today · 4.125%
HK$124,099
baseline
▲ 0.50% · 4.625%
HK$131,651
+HK$7,552/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$248,198/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,913
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,397
−HK$3,534/mo
Today · 4.125%
HK$136,931
baseline
▲ 0.50% · 4.625%
HK$144,149
+HK$7,218/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$273,862/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,239
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$140,477
−HK$4,306/mo
Today · 4.125%
HK$144,783
baseline
▲ 0.50% · 4.625%
HK$153,592
+HK$8,809/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$289,566/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,813,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,565
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$155,630
−HK$4,123/mo
Today · 4.125%
HK$159,753
baseline
▲ 0.50% · 4.625%
HK$168,174
+HK$8,421/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$319,506/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,813,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,165
−HK$10,984/mo
▼ 0.25% · 3.875%
HK$180,613
−HK$5,536/mo
Today · 4.125%
HK$186,149
baseline
▲ 0.50% · 4.625%
HK$197,476
+HK$11,327/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$372,298/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,869
−HK$10,528/mo
▼ 0.25% · 3.875%
HK$200,095
−HK$5,302/mo
Today · 4.125%
HK$205,397
baseline
▲ 0.50% · 4.625%
HK$216,224
+HK$10,827/mo
Deposit HK$4.27M · loan HK$38.41M · min. income ≈ HK$410,794/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,758 · Scale 2, in force from 26 Feb 2026)