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$97,590
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,625
−HK$3,085/mo
Today · 4.125%
HK$103,710
baseline
▲ 0.50% · 4.625%
HK$110,020
+HK$6,310/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,420/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,568
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,479
−HK$2,954/mo
Today · 4.125%
HK$114,433
baseline
▲ 0.50% · 4.625%
HK$120,465
+HK$6,032/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,866/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,108
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,750
−HK$3,701/mo
Today · 4.125%
HK$124,451
baseline
▲ 0.50% · 4.625%
HK$132,024
+HK$7,573/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,902/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,281
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,775
−HK$3,545/mo
Today · 4.125%
HK$137,320
baseline
▲ 0.50% · 4.625%
HK$144,558
+HK$7,238/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,640/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,626
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,876
−HK$4,317/mo
Today · 4.125%
HK$145,193
baseline
▲ 0.50% · 4.625%
HK$154,028
+HK$8,835/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,386/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,995
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,071
−HK$4,136/mo
Today · 4.125%
HK$160,207
baseline
▲ 0.50% · 4.625%
HK$168,651
+HK$8,444/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,414/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,662
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$181,126
−HK$5,551/mo
Today · 4.125%
HK$186,677
baseline
▲ 0.50% · 4.625%
HK$198,036
+HK$11,359/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,354/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,422
−HK$10,558/mo
▼ 0.25% · 3.875%
HK$200,663
−HK$5,317/mo
Today · 4.125%
HK$205,980
baseline
▲ 0.50% · 4.625%
HK$216,837
+HK$10,857/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$411,960/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,904 · Scale 2, in force from 26 Feb 2026)