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$97,960
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,007
−HK$3,096/mo
Today · 4.125%
HK$104,103
baseline
▲ 0.50% · 4.625%
HK$110,438
+HK$6,335/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,206/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,825,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,980
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,902
−HK$2,965/mo
Today · 4.125%
HK$114,867
baseline
▲ 0.50% · 4.625%
HK$120,922
+HK$6,055/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,734/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,825,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,552
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,209
−HK$3,715/mo
Today · 4.125%
HK$124,924
baseline
▲ 0.50% · 4.625%
HK$132,525
+HK$7,601/mo
Deposit HK$17.18M · loan HK$25.78M · min. income ≈ HK$249,848/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,776
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,283
−HK$3,558/mo
Today · 4.125%
HK$137,841
baseline
▲ 0.50% · 4.625%
HK$145,107
+HK$7,266/mo
Deposit HK$17.18M · loan HK$25.78M · min. income ≈ HK$275,682/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,144
−HK$8,600/mo
▼ 0.25% · 3.875%
HK$141,410
−HK$4,334/mo
Today · 4.125%
HK$145,744
baseline
▲ 0.50% · 4.625%
HK$154,613
+HK$8,869/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,488/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,572
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,663
−HK$4,151/mo
Today · 4.125%
HK$160,814
baseline
▲ 0.50% · 4.625%
HK$169,291
+HK$8,477/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,628/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,328
−HK$11,058/mo
▼ 0.25% · 3.875%
HK$181,813
−HK$5,573/mo
Today · 4.125%
HK$187,386
baseline
▲ 0.50% · 4.625%
HK$198,788
+HK$11,402/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$374,772/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,163
−HK$10,598/mo
▼ 0.25% · 3.875%
HK$201,424
−HK$5,337/mo
Today · 4.125%
HK$206,761
baseline
▲ 0.50% · 4.625%
HK$217,660
+HK$10,899/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$413,522/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,806 · Scale 2, in force from 26 Feb 2026)