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$97,973
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,021
−HK$3,096/mo
Today · 4.125%
HK$104,117
baseline
▲ 0.50% · 4.625%
HK$110,452
+HK$6,335/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,234/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,994
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,918
−HK$2,965/mo
Today · 4.125%
HK$114,883
baseline
▲ 0.50% · 4.625%
HK$120,939
+HK$6,056/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,766/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,568
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,225
−HK$3,716/mo
Today · 4.125%
HK$124,941
baseline
▲ 0.50% · 4.625%
HK$132,543
+HK$7,602/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$249,882/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,793
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,301
−HK$3,559/mo
Today · 4.125%
HK$137,860
baseline
▲ 0.50% · 4.625%
HK$145,126
+HK$7,266/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$275,720/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,163
−HK$8,601/mo
▼ 0.25% · 3.875%
HK$141,429
−HK$4,335/mo
Today · 4.125%
HK$145,764
baseline
▲ 0.50% · 4.625%
HK$154,633
+HK$8,869/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$291,528/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,592
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$156,685
−HK$4,151/mo
Today · 4.125%
HK$160,836
baseline
▲ 0.50% · 4.625%
HK$169,314
+HK$8,478/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$321,672/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,352
−HK$11,059/mo
▼ 0.25% · 3.875%
HK$181,838
−HK$5,573/mo
Today · 4.125%
HK$187,411
baseline
▲ 0.50% · 4.625%
HK$198,814
+HK$11,403/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$374,822/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,190
−HK$10,599/mo
▼ 0.25% · 3.875%
HK$201,452
−HK$5,337/mo
Today · 4.125%
HK$206,789
baseline
▲ 0.50% · 4.625%
HK$217,690
+HK$10,901/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$413,578/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,053 · Scale 2, in force from 26 Feb 2026)