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$96,741
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,750
−HK$3,058/mo
Today · 4.125%
HK$102,808
baseline
▲ 0.50% · 4.625%
HK$109,063
+HK$6,255/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$205,616/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,624
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,510
−HK$2,928/mo
Today · 4.125%
HK$113,438
baseline
▲ 0.50% · 4.625%
HK$119,418
+HK$5,980/mo
Deposit HK$21.21M · loan HK$21.21M · min. income ≈ HK$226,876/mo (50% DSR)
Upfront cash ≈ HK$23.02M (deposit + AVD stamp duty HK$1,803,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,089
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$119,700
−HK$3,669/mo
Today · 4.125%
HK$123,369
baseline
▲ 0.50% · 4.625%
HK$130,876
+HK$7,507/mo
Deposit HK$16.97M · loan HK$25.46M · min. income ≈ HK$246,738/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,803,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,148
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$132,612
−HK$3,514/mo
Today · 4.125%
HK$136,126
baseline
▲ 0.50% · 4.625%
HK$143,301
+HK$7,175/mo
Deposit HK$16.97M · loan HK$25.46M · min. income ≈ HK$272,252/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,803,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,438
−HK$8,493/mo
▼ 0.25% · 3.875%
HK$139,651
−HK$4,280/mo
Today · 4.125%
HK$143,931
baseline
▲ 0.50% · 4.625%
HK$152,689
+HK$8,758/mo
Deposit HK$12.73M · loan HK$29.70M · min. income ≈ HK$287,862/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,803,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,673
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$154,714
−HK$4,099/mo
Today · 4.125%
HK$158,813
baseline
▲ 0.50% · 4.625%
HK$167,185
+HK$8,372/mo
Deposit HK$12.73M · loan HK$29.70M · min. income ≈ HK$317,626/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,803,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,134
−HK$10,920/mo
▼ 0.25% · 3.875%
HK$179,551
−HK$5,503/mo
Today · 4.125%
HK$185,054
baseline
▲ 0.50% · 4.625%
HK$196,314
+HK$11,260/mo
Deposit HK$4.24M · loan HK$38.18M · min. income ≈ HK$370,108/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,723
−HK$10,466/mo
▼ 0.25% · 3.875%
HK$198,918
−HK$5,271/mo
Today · 4.125%
HK$204,189
baseline
▲ 0.50% · 4.625%
HK$214,952
+HK$10,763/mo
Deposit HK$4.24M · loan HK$38.18M · min. income ≈ HK$408,378/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,803,088 · Scale 2, in force from 26 Feb 2026)