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$97,395
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,425
−HK$3,078/mo
Today · 4.125%
HK$103,503
baseline
▲ 0.50% · 4.625%
HK$109,801
+HK$6,298/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$207,006/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,351
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,257
−HK$2,948/mo
Today · 4.125%
HK$114,205
baseline
▲ 0.50% · 4.625%
HK$120,225
+HK$6,020/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$228,410/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,874
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$120,510
−HK$3,693/mo
Today · 4.125%
HK$124,203
baseline
▲ 0.50% · 4.625%
HK$131,761
+HK$7,558/mo
Deposit HK$17.08M · loan HK$25.63M · min. income ≈ HK$248,406/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,021
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$133,508
−HK$3,538/mo
Today · 4.125%
HK$137,046
baseline
▲ 0.50% · 4.625%
HK$144,270
+HK$7,224/mo
Deposit HK$17.08M · loan HK$25.63M · min. income ≈ HK$274,092/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,353
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$140,595
−HK$4,309/mo
Today · 4.125%
HK$144,904
baseline
▲ 0.50% · 4.625%
HK$153,721
+HK$8,817/mo
Deposit HK$12.81M · loan HK$29.90M · min. income ≈ HK$289,808/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,692
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$155,760
−HK$4,127/mo
Today · 4.125%
HK$159,887
baseline
▲ 0.50% · 4.625%
HK$168,315
+HK$8,428/mo
Deposit HK$12.81M · loan HK$29.90M · min. income ≈ HK$319,774/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,311
−HK$10,994/mo
▼ 0.25% · 3.875%
HK$180,764
−HK$5,541/mo
Today · 4.125%
HK$186,305
baseline
▲ 0.50% · 4.625%
HK$197,641
+HK$11,336/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$372,610/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,032
−HK$10,537/mo
▼ 0.25% · 3.875%
HK$200,263
−HK$5,306/mo
Today · 4.125%
HK$205,569
baseline
▲ 0.50% · 4.625%
HK$216,405
+HK$10,836/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$411,138/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,276 · Scale 2, in force from 26 Feb 2026)