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$97,754
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,795
−HK$3,089/mo
Today · 4.125%
HK$103,884
baseline
▲ 0.50% · 4.625%
HK$110,205
+HK$6,321/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$207,768/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,821,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,751
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,667
−HK$2,959/mo
Today · 4.125%
HK$114,626
baseline
▲ 0.50% · 4.625%
HK$120,668
+HK$6,042/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$229,252/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,821,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,305
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$120,954
−HK$3,707/mo
Today · 4.125%
HK$124,661
baseline
▲ 0.50% · 4.625%
HK$132,246
+HK$7,585/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$249,322/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,501
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$134,001
−HK$3,550/mo
Today · 4.125%
HK$137,551
baseline
▲ 0.50% · 4.625%
HK$144,802
+HK$7,251/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$275,102/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,856
−HK$8,582/mo
▼ 0.25% · 3.875%
HK$141,113
−HK$4,325/mo
Today · 4.125%
HK$145,438
baseline
▲ 0.50% · 4.625%
HK$154,287
+HK$8,849/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$290,876/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,251
−HK$8,225/mo
▼ 0.25% · 3.875%
HK$156,334
−HK$4,142/mo
Today · 4.125%
HK$160,476
baseline
▲ 0.50% · 4.625%
HK$168,935
+HK$8,459/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$320,952/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,958
−HK$11,034/mo
▼ 0.25% · 3.875%
HK$181,431
−HK$5,561/mo
Today · 4.125%
HK$186,992
baseline
▲ 0.50% · 4.625%
HK$198,370
+HK$11,378/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$373,984/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,751
−HK$10,576/mo
▼ 0.25% · 3.875%
HK$201,001
−HK$5,326/mo
Today · 4.125%
HK$206,327
baseline
▲ 0.50% · 4.625%
HK$217,203
+HK$10,876/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$412,654/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,968 · Scale 2, in force from 26 Feb 2026)