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$97,947
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$100,994
−HK$3,096/mo
Today · 4.125%
HK$104,090
baseline
▲ 0.50% · 4.625%
HK$110,423
+HK$6,333/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,180/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,966
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,888
−HK$2,965/mo
Today · 4.125%
HK$114,853
baseline
▲ 0.50% · 4.625%
HK$120,907
+HK$6,054/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,706/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,537
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,193
−HK$3,715/mo
Today · 4.125%
HK$124,908
baseline
▲ 0.50% · 4.625%
HK$132,508
+HK$7,600/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,816/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,759
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,266
−HK$3,557/mo
Today · 4.125%
HK$137,823
baseline
▲ 0.50% · 4.625%
HK$145,088
+HK$7,265/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,646/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,126
−HK$8,600/mo
▼ 0.25% · 3.875%
HK$141,392
−HK$4,334/mo
Today · 4.125%
HK$145,726
baseline
▲ 0.50% · 4.625%
HK$154,593
+HK$8,867/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,452/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,552
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,643
−HK$4,151/mo
Today · 4.125%
HK$160,794
baseline
▲ 0.50% · 4.625%
HK$169,269
+HK$8,475/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,588/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,305
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$181,790
−HK$5,571/mo
Today · 4.125%
HK$187,361
baseline
▲ 0.50% · 4.625%
HK$198,762
+HK$11,401/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$374,722/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,138
−HK$10,597/mo
▼ 0.25% · 3.875%
HK$201,398
−HK$5,337/mo
Today · 4.125%
HK$206,735
baseline
▲ 0.50% · 4.625%
HK$217,632
+HK$10,897/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$413,470/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,571 · Scale 2, in force from 26 Feb 2026)