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$97,981
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,029
−HK$3,097/mo
Today · 4.125%
HK$104,126
baseline
▲ 0.50% · 4.625%
HK$110,461
+HK$6,335/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,252/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,003
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,927
−HK$2,965/mo
Today · 4.125%
HK$114,892
baseline
▲ 0.50% · 4.625%
HK$120,949
+HK$6,057/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,784/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,578
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,235
−HK$3,716/mo
Today · 4.125%
HK$124,951
baseline
▲ 0.50% · 4.625%
HK$132,554
+HK$7,603/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$249,902/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,804
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,312
−HK$3,559/mo
Today · 4.125%
HK$137,871
baseline
▲ 0.50% · 4.625%
HK$145,138
+HK$7,267/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$275,742/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,174
−HK$8,602/mo
▼ 0.25% · 3.875%
HK$141,441
−HK$4,335/mo
Today · 4.125%
HK$145,776
baseline
▲ 0.50% · 4.625%
HK$154,646
+HK$8,870/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$291,552/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,605
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$156,697
−HK$4,152/mo
Today · 4.125%
HK$160,849
baseline
▲ 0.50% · 4.625%
HK$169,328
+HK$8,479/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$321,698/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,366
−HK$11,060/mo
▼ 0.25% · 3.875%
HK$181,852
−HK$5,574/mo
Today · 4.125%
HK$187,426
baseline
▲ 0.50% · 4.625%
HK$198,831
+HK$11,405/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$374,852/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,206
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$201,468
−HK$5,338/mo
Today · 4.125%
HK$206,806
baseline
▲ 0.50% · 4.625%
HK$217,707
+HK$10,901/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$413,612/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,202 · Scale 2, in force from 26 Feb 2026)