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$97,082
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,101
−HK$3,068/mo
Today · 4.125%
HK$103,169
baseline
▲ 0.50% · 4.625%
HK$109,447
+HK$6,278/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$206,338/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,002
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,899
−HK$2,938/mo
Today · 4.125%
HK$113,837
baseline
▲ 0.50% · 4.625%
HK$119,838
+HK$6,001/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$227,674/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,498
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,122
−HK$3,681/mo
Today · 4.125%
HK$123,803
baseline
▲ 0.50% · 4.625%
HK$131,336
+HK$7,533/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$247,606/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,603
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,079
−HK$3,526/mo
Today · 4.125%
HK$136,605
baseline
▲ 0.50% · 4.625%
HK$143,805
+HK$7,200/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$273,210/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,914
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$140,142
−HK$4,295/mo
Today · 4.125%
HK$144,437
baseline
▲ 0.50% · 4.625%
HK$153,226
+HK$8,789/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$288,874/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,203
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$155,258
−HK$4,114/mo
Today · 4.125%
HK$159,372
baseline
▲ 0.50% · 4.625%
HK$167,773
+HK$8,401/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$318,744/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,747
−HK$10,958/mo
▼ 0.25% · 3.875%
HK$180,182
−HK$5,523/mo
Today · 4.125%
HK$185,705
baseline
▲ 0.50% · 4.625%
HK$197,005
+HK$11,300/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$371,410/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,404
−HK$10,503/mo
▼ 0.25% · 3.875%
HK$199,618
−HK$5,289/mo
Today · 4.125%
HK$204,907
baseline
▲ 0.50% · 4.625%
HK$215,708
+HK$10,801/mo
Deposit HK$4.26M · loan HK$38.32M · min. income ≈ HK$409,814/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,432 · Scale 2, in force from 26 Feb 2026)