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$96,700
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,708
−HK$3,056/mo
Today · 4.125%
HK$102,764
baseline
▲ 0.50% · 4.625%
HK$109,017
+HK$6,253/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$205,528/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,578
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,463
−HK$2,927/mo
Today · 4.125%
HK$113,390
baseline
▲ 0.50% · 4.625%
HK$119,367
+HK$5,977/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$226,780/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$1,802,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,040
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$119,650
−HK$3,667/mo
Today · 4.125%
HK$123,317
baseline
▲ 0.50% · 4.625%
HK$130,821
+HK$7,504/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$246,634/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,094
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$132,556
−HK$3,512/mo
Today · 4.125%
HK$136,068
baseline
▲ 0.50% · 4.625%
HK$143,241
+HK$7,173/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$272,136/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,802,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,381
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,592
−HK$4,278/mo
Today · 4.125%
HK$143,870
baseline
▲ 0.50% · 4.625%
HK$152,624
+HK$8,754/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$287,740/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,609
−HK$8,137/mo
▼ 0.25% · 3.875%
HK$154,649
−HK$4,097/mo
Today · 4.125%
HK$158,746
baseline
▲ 0.50% · 4.625%
HK$167,114
+HK$8,368/mo
Deposit HK$12.72M · loan HK$29.69M · min. income ≈ HK$317,492/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,061
−HK$10,915/mo
▼ 0.25% · 3.875%
HK$179,475
−HK$5,501/mo
Today · 4.125%
HK$184,976
baseline
▲ 0.50% · 4.625%
HK$196,231
+HK$11,255/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$369,952/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,641
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$198,834
−HK$5,269/mo
Today · 4.125%
HK$204,103
baseline
▲ 0.50% · 4.625%
HK$214,861
+HK$10,758/mo
Deposit HK$4.24M · loan HK$38.17M · min. income ≈ HK$408,206/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,327 · Scale 2, in force from 26 Feb 2026)