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$96,798
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,809
−HK$3,059/mo
Today · 4.125%
HK$102,868
baseline
▲ 0.50% · 4.625%
HK$109,128
+HK$6,260/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$205,736/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,687
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,575
−HK$2,930/mo
Today · 4.125%
HK$113,505
baseline
▲ 0.50% · 4.625%
HK$119,488
+HK$5,983/mo
Deposit HK$21.23M · loan HK$21.23M · min. income ≈ HK$227,010/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$1,804,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,158
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$119,771
−HK$3,671/mo
Today · 4.125%
HK$123,442
baseline
▲ 0.50% · 4.625%
HK$130,953
+HK$7,511/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$246,884/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,804,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,224
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,690
−HK$3,516/mo
Today · 4.125%
HK$136,206
baseline
▲ 0.50% · 4.625%
HK$143,386
+HK$7,180/mo
Deposit HK$16.98M · loan HK$25.47M · min. income ≈ HK$272,412/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,804,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,518
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$139,733
−HK$4,283/mo
Today · 4.125%
HK$144,016
baseline
▲ 0.50% · 4.625%
HK$152,779
+HK$8,763/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$288,032/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,762
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$154,805
−HK$4,102/mo
Today · 4.125%
HK$158,907
baseline
▲ 0.50% · 4.625%
HK$167,283
+HK$8,376/mo
Deposit HK$12.74M · loan HK$29.72M · min. income ≈ HK$317,814/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,804,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,237
−HK$10,926/mo
▼ 0.25% · 3.875%
HK$179,657
−HK$5,506/mo
Today · 4.125%
HK$185,163
baseline
▲ 0.50% · 4.625%
HK$196,430
+HK$11,267/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$370,326/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,837
−HK$10,472/mo
▼ 0.25% · 3.875%
HK$199,035
−HK$5,274/mo
Today · 4.125%
HK$204,309
baseline
▲ 0.50% · 4.625%
HK$215,079
+HK$10,770/mo
Deposit HK$4.25M · loan HK$38.21M · min. income ≈ HK$408,618/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$1,804,151 · Scale 2, in force from 26 Feb 2026)