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$97,587
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,622
−HK$3,084/mo
Today · 4.125%
HK$103,706
baseline
▲ 0.50% · 4.625%
HK$110,017
+HK$6,311/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,412/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,564
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,476
−HK$2,954/mo
Today · 4.125%
HK$114,430
baseline
▲ 0.50% · 4.625%
HK$120,462
+HK$6,032/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,860/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,104
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,747
−HK$3,701/mo
Today · 4.125%
HK$124,448
baseline
▲ 0.50% · 4.625%
HK$132,020
+HK$7,572/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,896/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,277
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,771
−HK$3,545/mo
Today · 4.125%
HK$137,316
baseline
▲ 0.50% · 4.625%
HK$144,554
+HK$7,238/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,632/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,622
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,871
−HK$4,318/mo
Today · 4.125%
HK$145,189
baseline
▲ 0.50% · 4.625%
HK$154,023
+HK$8,834/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,378/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,990
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,066
−HK$4,136/mo
Today · 4.125%
HK$160,202
baseline
▲ 0.50% · 4.625%
HK$168,646
+HK$8,444/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,404/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,656
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$181,120
−HK$5,551/mo
Today · 4.125%
HK$186,671
baseline
▲ 0.50% · 4.625%
HK$198,030
+HK$11,359/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,342/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,416
−HK$10,558/mo
▼ 0.25% · 3.875%
HK$200,657
−HK$5,317/mo
Today · 4.125%
HK$205,974
baseline
▲ 0.50% · 4.625%
HK$216,831
+HK$10,857/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$411,948/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,849 · Scale 2, in force from 26 Feb 2026)