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$97,710
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,749
−HK$3,088/mo
Today · 4.125%
HK$103,837
baseline
▲ 0.50% · 4.625%
HK$110,156
+HK$6,319/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$207,674/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,702
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,617
−HK$2,957/mo
Today · 4.125%
HK$114,574
baseline
▲ 0.50% · 4.625%
HK$120,614
+HK$6,040/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$229,148/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,252
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$120,899
−HK$3,706/mo
Today · 4.125%
HK$124,605
baseline
▲ 0.50% · 4.625%
HK$132,187
+HK$7,582/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,210/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,821,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,442
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,940
−HK$3,549/mo
Today · 4.125%
HK$137,489
baseline
▲ 0.50% · 4.625%
HK$144,736
+HK$7,247/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,978/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,821,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,794
−HK$8,578/mo
▼ 0.25% · 3.875%
HK$141,049
−HK$4,323/mo
Today · 4.125%
HK$145,372
baseline
▲ 0.50% · 4.625%
HK$154,218
+HK$8,846/mo
Deposit HK$12.86M · loan HK$30.00M · min. income ≈ HK$290,744/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,182
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$156,264
−HK$4,140/mo
Today · 4.125%
HK$160,404
baseline
▲ 0.50% · 4.625%
HK$168,859
+HK$8,455/mo
Deposit HK$12.86M · loan HK$30.00M · min. income ≈ HK$320,808/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,878
−HK$11,029/mo
▼ 0.25% · 3.875%
HK$181,349
−HK$5,558/mo
Today · 4.125%
HK$186,907
baseline
▲ 0.50% · 4.625%
HK$198,280
+HK$11,373/mo
Deposit HK$4.29M · loan HK$38.57M · min. income ≈ HK$373,814/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,663
−HK$10,571/mo
▼ 0.25% · 3.875%
HK$200,910
−HK$5,324/mo
Today · 4.125%
HK$206,234
baseline
▲ 0.50% · 4.625%
HK$217,105
+HK$10,871/mo
Deposit HK$4.29M · loan HK$38.57M · min. income ≈ HK$412,468/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,147 · Scale 2, in force from 26 Feb 2026)