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$97,366
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,394
−HK$3,077/mo
Today · 4.125%
HK$103,471
baseline
▲ 0.50% · 4.625%
HK$109,767
+HK$6,296/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,942/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,318
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,223
−HK$2,947/mo
Today · 4.125%
HK$114,170
baseline
▲ 0.50% · 4.625%
HK$120,189
+HK$6,019/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,340/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,839
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,473
−HK$3,693/mo
Today · 4.125%
HK$124,166
baseline
▲ 0.50% · 4.625%
HK$131,721
+HK$7,555/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,332/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,982
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,468
−HK$3,537/mo
Today · 4.125%
HK$137,005
baseline
▲ 0.50% · 4.625%
HK$144,226
+HK$7,221/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$274,010/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,312
−HK$8,548/mo
▼ 0.25% · 3.875%
HK$140,552
−HK$4,308/mo
Today · 4.125%
HK$144,860
baseline
▲ 0.50% · 4.625%
HK$153,674
+HK$8,814/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$289,720/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,646
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$155,713
−HK$4,126/mo
Today · 4.125%
HK$159,839
baseline
▲ 0.50% · 4.625%
HK$168,264
+HK$8,425/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$319,678/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,258
−HK$10,990/mo
▼ 0.25% · 3.875%
HK$180,710
−HK$5,538/mo
Today · 4.125%
HK$186,248
baseline
▲ 0.50% · 4.625%
HK$197,581
+HK$11,333/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$372,496/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,973
−HK$10,534/mo
▼ 0.25% · 3.875%
HK$200,202
−HK$5,305/mo
Today · 4.125%
HK$205,507
baseline
▲ 0.50% · 4.625%
HK$216,339
+HK$10,832/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$411,014/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,727 · Scale 2, in force from 26 Feb 2026)