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$97,902
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,947
−HK$3,094/mo
Today · 4.125%
HK$104,041
baseline
▲ 0.50% · 4.625%
HK$110,372
+HK$6,331/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,082/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,915
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,836
−HK$2,963/mo
Today · 4.125%
HK$114,799
baseline
▲ 0.50% · 4.625%
HK$120,850
+HK$6,051/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,598/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,482
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,137
−HK$3,712/mo
Today · 4.125%
HK$124,849
baseline
▲ 0.50% · 4.625%
HK$132,446
+HK$7,597/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$249,698/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,698
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$134,203
−HK$3,556/mo
Today · 4.125%
HK$137,759
baseline
▲ 0.50% · 4.625%
HK$145,020
+HK$7,261/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$275,518/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,063
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$141,326
−HK$4,332/mo
Today · 4.125%
HK$145,658
baseline
▲ 0.50% · 4.625%
HK$154,521
+HK$8,863/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$291,316/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,481
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$156,570
−HK$4,149/mo
Today · 4.125%
HK$160,719
baseline
▲ 0.50% · 4.625%
HK$169,191
+HK$8,472/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$321,438/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,223
−HK$11,051/mo
▼ 0.25% · 3.875%
HK$181,705
−HK$5,569/mo
Today · 4.125%
HK$187,274
baseline
▲ 0.50% · 4.625%
HK$198,669
+HK$11,395/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$374,548/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,047
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$201,305
−HK$5,334/mo
Today · 4.125%
HK$206,639
baseline
▲ 0.50% · 4.625%
HK$217,531
+HK$10,892/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$413,278/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,720 · Scale 2, in force from 26 Feb 2026)