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$97,696
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,734
−HK$3,088/mo
Today · 4.125%
HK$103,822
baseline
▲ 0.50% · 4.625%
HK$110,139
+HK$6,317/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,644/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,685
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,600
−HK$2,957/mo
Today · 4.125%
HK$114,557
baseline
▲ 0.50% · 4.625%
HK$120,596
+HK$6,039/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,114/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,235
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,881
−HK$3,705/mo
Today · 4.125%
HK$124,586
baseline
▲ 0.50% · 4.625%
HK$132,167
+HK$7,581/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,172/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,422
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,920
−HK$3,549/mo
Today · 4.125%
HK$137,469
baseline
▲ 0.50% · 4.625%
HK$144,715
+HK$7,246/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,938/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,774
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$141,028
−HK$4,323/mo
Today · 4.125%
HK$145,351
baseline
▲ 0.50% · 4.625%
HK$154,195
+HK$8,844/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,702/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,159
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$156,240
−HK$4,140/mo
Today · 4.125%
HK$160,380
baseline
▲ 0.50% · 4.625%
HK$168,834
+HK$8,454/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,760/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,852
−HK$11,027/mo
▼ 0.25% · 3.875%
HK$181,322
−HK$5,557/mo
Today · 4.125%
HK$186,879
baseline
▲ 0.50% · 4.625%
HK$198,251
+HK$11,372/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$373,758/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,634
−HK$10,569/mo
▼ 0.25% · 3.875%
HK$200,880
−HK$5,323/mo
Today · 4.125%
HK$206,203
baseline
▲ 0.50% · 4.625%
HK$217,072
+HK$10,869/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$412,406/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,875 · Scale 2, in force from 26 Feb 2026)