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$97,680
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,718
−HK$3,087/mo
Today · 4.125%
HK$103,805
baseline
▲ 0.50% · 4.625%
HK$110,121
+HK$6,316/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,610/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,667
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,582
−HK$2,956/mo
Today · 4.125%
HK$114,538
baseline
▲ 0.50% · 4.625%
HK$120,576
+HK$6,038/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,076/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,215
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,861
−HK$3,705/mo
Today · 4.125%
HK$124,566
baseline
▲ 0.50% · 4.625%
HK$132,145
+HK$7,579/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$249,132/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,401
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,898
−HK$3,548/mo
Today · 4.125%
HK$137,446
baseline
▲ 0.50% · 4.625%
HK$144,691
+HK$7,245/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$274,892/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,751
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$141,005
−HK$4,322/mo
Today · 4.125%
HK$145,327
baseline
▲ 0.50% · 4.625%
HK$154,170
+HK$8,843/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,654/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,134
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$156,215
−HK$4,139/mo
Today · 4.125%
HK$160,354
baseline
▲ 0.50% · 4.625%
HK$168,806
+HK$8,452/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,708/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,823
−HK$11,026/mo
▼ 0.25% · 3.875%
HK$181,292
−HK$5,557/mo
Today · 4.125%
HK$186,849
baseline
▲ 0.50% · 4.625%
HK$198,218
+HK$11,369/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$373,698/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,601
−HK$10,568/mo
▼ 0.25% · 3.875%
HK$200,847
−HK$5,322/mo
Today · 4.125%
HK$206,169
baseline
▲ 0.50% · 4.625%
HK$217,037
+HK$10,868/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$412,338/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,576 · Scale 2, in force from 26 Feb 2026)