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$96,578
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,582
−HK$3,052/mo
Today · 4.125%
HK$102,634
baseline
▲ 0.50% · 4.625%
HK$108,879
+HK$6,245/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$205,268/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,442
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,323
−HK$2,923/mo
Today · 4.125%
HK$113,246
baseline
▲ 0.50% · 4.625%
HK$119,216
+HK$5,970/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$226,492/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,893
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$119,498
−HK$3,663/mo
Today · 4.125%
HK$123,161
baseline
▲ 0.50% · 4.625%
HK$130,655
+HK$7,494/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$246,322/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,800,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,930
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$132,388
−HK$3,508/mo
Today · 4.125%
HK$135,896
baseline
▲ 0.50% · 4.625%
HK$143,059
+HK$7,163/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$271,792/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,800,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,209
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$139,414
−HK$4,273/mo
Today · 4.125%
HK$143,687
baseline
▲ 0.50% · 4.625%
HK$152,430
+HK$8,743/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$287,374/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,418
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$154,452
−HK$4,093/mo
Today · 4.125%
HK$158,545
baseline
▲ 0.50% · 4.625%
HK$166,902
+HK$8,357/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$317,090/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,840
−HK$10,901/mo
▼ 0.25% · 3.875%
HK$179,247
−HK$5,494/mo
Today · 4.125%
HK$184,741
baseline
▲ 0.50% · 4.625%
HK$195,982
+HK$11,241/mo
Deposit HK$4.24M · loan HK$38.12M · min. income ≈ HK$369,482/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,395
−HK$10,448/mo
▼ 0.25% · 3.875%
HK$198,582
−HK$5,261/mo
Today · 4.125%
HK$203,843
baseline
▲ 0.50% · 4.625%
HK$214,588
+HK$10,745/mo
Deposit HK$4.24M · loan HK$38.12M · min. income ≈ HK$407,686/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,038 · Scale 2, in force from 26 Feb 2026)