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$97,607
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,643
−HK$3,085/mo
Today · 4.125%
HK$103,728
baseline
▲ 0.50% · 4.625%
HK$110,039
+HK$6,311/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,456/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,819,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,587
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,499
−HK$2,954/mo
Today · 4.125%
HK$114,453
baseline
▲ 0.50% · 4.625%
HK$120,486
+HK$6,033/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,906/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,819,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,128
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$120,771
−HK$3,702/mo
Today · 4.125%
HK$124,473
baseline
▲ 0.50% · 4.625%
HK$132,047
+HK$7,574/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,946/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,819,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,304
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,799
−HK$3,545/mo
Today · 4.125%
HK$137,344
baseline
▲ 0.50% · 4.625%
HK$144,583
+HK$7,239/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,688/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,819,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,649
−HK$8,570/mo
▼ 0.25% · 3.875%
HK$140,900
−HK$4,319/mo
Today · 4.125%
HK$145,219
baseline
▲ 0.50% · 4.625%
HK$154,055
+HK$8,836/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,438/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,021
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$156,098
−HK$4,136/mo
Today · 4.125%
HK$160,234
baseline
▲ 0.50% · 4.625%
HK$168,681
+HK$8,447/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,468/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,819,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,692
−HK$11,018/mo
▼ 0.25% · 3.875%
HK$181,157
−HK$5,553/mo
Today · 4.125%
HK$186,710
baseline
▲ 0.50% · 4.625%
HK$198,070
+HK$11,360/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,420/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,456
−HK$10,560/mo
▼ 0.25% · 3.875%
HK$200,698
−HK$5,318/mo
Today · 4.125%
HK$206,016
baseline
▲ 0.50% · 4.625%
HK$216,875
+HK$10,859/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$412,032/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,220 · Scale 2, in force from 26 Feb 2026)