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$96,652
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,659
−HK$3,054/mo
Today · 4.125%
HK$102,713
baseline
▲ 0.50% · 4.625%
HK$108,963
+HK$6,250/mo
Deposit HK$21.19M · loan HK$21.19M · min. income ≈ HK$205,426/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$1,801,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,525
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,409
−HK$2,925/mo
Today · 4.125%
HK$113,334
baseline
▲ 0.50% · 4.625%
HK$119,308
+HK$5,974/mo
Deposit HK$21.19M · loan HK$21.19M · min. income ≈ HK$226,668/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$1,801,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,983
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$119,591
−HK$3,665/mo
Today · 4.125%
HK$123,256
baseline
▲ 0.50% · 4.625%
HK$130,756
+HK$7,500/mo
Deposit HK$16.95M · loan HK$25.43M · min. income ≈ HK$246,512/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,801,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,030
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,490
−HK$3,511/mo
Today · 4.125%
HK$136,001
baseline
▲ 0.50% · 4.625%
HK$143,170
+HK$7,169/mo
Deposit HK$16.95M · loan HK$25.43M · min. income ≈ HK$272,002/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,801,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,313
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$139,522
−HK$4,277/mo
Today · 4.125%
HK$143,799
baseline
▲ 0.50% · 4.625%
HK$152,549
+HK$8,750/mo
Deposit HK$12.72M · loan HK$29.67M · min. income ≈ HK$287,598/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,801,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,535
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$154,572
−HK$4,096/mo
Today · 4.125%
HK$158,668
baseline
▲ 0.50% · 4.625%
HK$167,031
+HK$8,363/mo
Deposit HK$12.72M · loan HK$29.67M · min. income ≈ HK$317,336/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,801,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,974
−HK$10,910/mo
▼ 0.25% · 3.875%
HK$179,386
−HK$5,498/mo
Today · 4.125%
HK$184,884
baseline
▲ 0.50% · 4.625%
HK$196,134
+HK$11,250/mo
Deposit HK$4.24M · loan HK$38.15M · min. income ≈ HK$369,768/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,801,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,545
−HK$10,456/mo
▼ 0.25% · 3.875%
HK$198,736
−HK$5,265/mo
Today · 4.125%
HK$204,001
baseline
▲ 0.50% · 4.625%
HK$214,755
+HK$10,754/mo
Deposit HK$4.24M · loan HK$38.15M · min. income ≈ HK$408,002/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,801,433 · Scale 2, in force from 26 Feb 2026)