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$97,698
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,737
−HK$3,087/mo
Today · 4.125%
HK$103,824
baseline
▲ 0.50% · 4.625%
HK$110,142
+HK$6,318/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,648/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,688
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,603
−HK$2,957/mo
Today · 4.125%
HK$114,560
baseline
▲ 0.50% · 4.625%
HK$120,599
+HK$6,039/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,120/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,237
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,884
−HK$3,705/mo
Today · 4.125%
HK$124,589
baseline
▲ 0.50% · 4.625%
HK$132,170
+HK$7,581/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,178/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,425
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,923
−HK$3,549/mo
Today · 4.125%
HK$137,472
baseline
▲ 0.50% · 4.625%
HK$144,718
+HK$7,246/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,944/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,777
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$141,031
−HK$4,323/mo
Today · 4.125%
HK$145,354
baseline
▲ 0.50% · 4.625%
HK$154,198
+HK$8,844/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,708/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,163
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$156,244
−HK$4,140/mo
Today · 4.125%
HK$160,384
baseline
▲ 0.50% · 4.625%
HK$168,838
+HK$8,454/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,768/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,856
−HK$11,028/mo
▼ 0.25% · 3.875%
HK$181,326
−HK$5,558/mo
Today · 4.125%
HK$186,884
baseline
▲ 0.50% · 4.625%
HK$198,255
+HK$11,371/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$373,768/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,638
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$200,885
−HK$5,323/mo
Today · 4.125%
HK$206,208
baseline
▲ 0.50% · 4.625%
HK$217,077
+HK$10,869/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$412,416/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,917 · Scale 2, in force from 26 Feb 2026)