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$97,434
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,465
−HK$3,079/mo
Today · 4.125%
HK$103,544
baseline
▲ 0.50% · 4.625%
HK$109,844
+HK$6,300/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$207,088/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,394
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,301
−HK$2,949/mo
Today · 4.125%
HK$114,250
baseline
▲ 0.50% · 4.625%
HK$120,273
+HK$6,023/mo
Deposit HK$21.36M · loan HK$21.36M · min. income ≈ HK$228,500/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,815,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,921
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,558
−HK$3,695/mo
Today · 4.125%
HK$124,253
baseline
▲ 0.50% · 4.625%
HK$131,813
+HK$7,560/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$248,506/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,815,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,073
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,561
−HK$3,539/mo
Today · 4.125%
HK$137,100
baseline
▲ 0.50% · 4.625%
HK$144,327
+HK$7,227/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$274,200/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,815,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,407
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$140,650
−HK$4,311/mo
Today · 4.125%
HK$144,961
baseline
▲ 0.50% · 4.625%
HK$153,782
+HK$8,821/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$289,922/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,752
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$155,822
−HK$4,129/mo
Today · 4.125%
HK$159,951
baseline
▲ 0.50% · 4.625%
HK$168,382
+HK$8,431/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$319,902/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,381
−HK$10,998/mo
▼ 0.25% · 3.875%
HK$180,836
−HK$5,543/mo
Today · 4.125%
HK$186,379
baseline
▲ 0.50% · 4.625%
HK$197,720
+HK$11,341/mo
Deposit HK$4.27M · loan HK$38.46M · min. income ≈ HK$372,758/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,110
−HK$10,541/mo
▼ 0.25% · 3.875%
HK$200,342
−HK$5,309/mo
Today · 4.125%
HK$205,651
baseline
▲ 0.50% · 4.625%
HK$216,491
+HK$10,840/mo
Deposit HK$4.27M · loan HK$38.46M · min. income ≈ HK$411,302/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,997 · Scale 2, in force from 26 Feb 2026)