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$97,031
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,049
−HK$3,066/mo
Today · 4.125%
HK$103,115
baseline
▲ 0.50% · 4.625%
HK$109,390
+HK$6,275/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$206,230/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,808,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,946
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,841
−HK$2,937/mo
Today · 4.125%
HK$113,778
baseline
▲ 0.50% · 4.625%
HK$119,775
+HK$5,997/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$227,556/mo (50% DSR)
Upfront cash ≈ HK$23.08M (deposit + AVD stamp duty HK$1,808,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,437
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$120,059
−HK$3,679/mo
Today · 4.125%
HK$123,738
baseline
▲ 0.50% · 4.625%
HK$131,268
+HK$7,530/mo
Deposit HK$17.02M · loan HK$25.53M · min. income ≈ HK$247,476/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,535
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$133,009
−HK$3,524/mo
Today · 4.125%
HK$136,533
baseline
▲ 0.50% · 4.625%
HK$143,730
+HK$7,197/mo
Deposit HK$17.02M · loan HK$25.53M · min. income ≈ HK$273,066/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,808,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,843
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$140,069
−HK$4,293/mo
Today · 4.125%
HK$144,362
baseline
▲ 0.50% · 4.625%
HK$153,146
+HK$8,784/mo
Deposit HK$12.77M · loan HK$29.79M · min. income ≈ HK$288,724/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,808,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,124
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$155,177
−HK$4,112/mo
Today · 4.125%
HK$159,289
baseline
▲ 0.50% · 4.625%
HK$167,685
+HK$8,396/mo
Deposit HK$12.77M · loan HK$29.79M · min. income ≈ HK$318,578/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,808,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,655
−HK$10,953/mo
▼ 0.25% · 3.875%
HK$180,088
−HK$5,520/mo
Today · 4.125%
HK$185,608
baseline
▲ 0.50% · 4.625%
HK$196,902
+HK$11,294/mo
Deposit HK$4.26M · loan HK$38.30M · min. income ≈ HK$371,216/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,302
−HK$10,498/mo
▼ 0.25% · 3.875%
HK$199,513
−HK$5,287/mo
Today · 4.125%
HK$204,800
baseline
▲ 0.50% · 4.625%
HK$215,595
+HK$10,795/mo
Deposit HK$4.26M · loan HK$38.30M · min. income ≈ HK$409,600/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,808,484 · Scale 2, in force from 26 Feb 2026)