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$97,200
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,224
−HK$3,072/mo
Today · 4.125%
HK$103,296
baseline
▲ 0.50% · 4.625%
HK$109,581
+HK$6,285/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$206,592/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,811,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,134
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,034
−HK$2,943/mo
Today · 4.125%
HK$113,977
baseline
▲ 0.50% · 4.625%
HK$119,984
+HK$6,007/mo
Deposit HK$21.31M · loan HK$21.31M · min. income ≈ HK$227,954/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$1,811,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,640
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,269
−HK$3,686/mo
Today · 4.125%
HK$123,955
baseline
▲ 0.50% · 4.625%
HK$131,497
+HK$7,542/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$247,910/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,761
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,241
−HK$3,531/mo
Today · 4.125%
HK$136,772
baseline
▲ 0.50% · 4.625%
HK$143,981
+HK$7,209/mo
Deposit HK$17.05M · loan HK$25.58M · min. income ≈ HK$273,544/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,811,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,080
−HK$8,534/mo
▼ 0.25% · 3.875%
HK$140,313
−HK$4,301/mo
Today · 4.125%
HK$144,614
baseline
▲ 0.50% · 4.625%
HK$153,413
+HK$8,799/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$289,228/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,388
−HK$8,179/mo
▼ 0.25% · 3.875%
HK$155,448
−HK$4,119/mo
Today · 4.125%
HK$159,567
baseline
▲ 0.50% · 4.625%
HK$167,978
+HK$8,411/mo
Deposit HK$12.79M · loan HK$29.84M · min. income ≈ HK$319,134/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,811,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,961
−HK$10,971/mo
▼ 0.25% · 3.875%
HK$180,403
−HK$5,529/mo
Today · 4.125%
HK$185,932
baseline
▲ 0.50% · 4.625%
HK$197,246
+HK$11,314/mo
Deposit HK$4.26M · loan HK$38.36M · min. income ≈ HK$371,864/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,642
−HK$10,516/mo
▼ 0.25% · 3.875%
HK$199,862
−HK$5,296/mo
Today · 4.125%
HK$205,158
baseline
▲ 0.50% · 4.625%
HK$215,972
+HK$10,814/mo
Deposit HK$4.26M · loan HK$38.36M · min. income ≈ HK$410,316/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,811,645 · Scale 2, in force from 26 Feb 2026)