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$97,338
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,366
−HK$3,076/mo
Today · 4.125%
HK$103,442
baseline
▲ 0.50% · 4.625%
HK$109,737
+HK$6,295/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$206,884/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,288
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,192
−HK$2,946/mo
Today · 4.125%
HK$114,138
baseline
▲ 0.50% · 4.625%
HK$120,155
+HK$6,017/mo
Deposit HK$21.34M · loan HK$21.34M · min. income ≈ HK$228,276/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,806
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$120,439
−HK$3,692/mo
Today · 4.125%
HK$124,131
baseline
▲ 0.50% · 4.625%
HK$131,684
+HK$7,553/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$248,262/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,945
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$133,431
−HK$3,535/mo
Today · 4.125%
HK$136,966
baseline
▲ 0.50% · 4.625%
HK$144,186
+HK$7,220/mo
Deposit HK$17.07M · loan HK$25.61M · min. income ≈ HK$273,932/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,274
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,513
−HK$4,306/mo
Today · 4.125%
HK$144,819
baseline
▲ 0.50% · 4.625%
HK$153,631
+HK$8,812/mo
Deposit HK$12.81M · loan HK$29.88M · min. income ≈ HK$289,638/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,603
−HK$8,191/mo
▼ 0.25% · 3.875%
HK$155,669
−HK$4,125/mo
Today · 4.125%
HK$159,794
baseline
▲ 0.50% · 4.625%
HK$168,217
+HK$8,423/mo
Deposit HK$12.81M · loan HK$29.88M · min. income ≈ HK$319,588/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,209
−HK$10,987/mo
▼ 0.25% · 3.875%
HK$180,659
−HK$5,537/mo
Today · 4.125%
HK$186,196
baseline
▲ 0.50% · 4.625%
HK$197,526
+HK$11,330/mo
Deposit HK$4.27M · loan HK$38.42M · min. income ≈ HK$372,392/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,918
−HK$10,531/mo
▼ 0.25% · 3.875%
HK$200,146
−HK$5,303/mo
Today · 4.125%
HK$205,449
baseline
▲ 0.50% · 4.625%
HK$216,279
+HK$10,830/mo
Deposit HK$4.27M · loan HK$38.42M · min. income ≈ HK$410,898/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,217 · Scale 2, in force from 26 Feb 2026)