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$97,689
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,728
−HK$3,087/mo
Today · 4.125%
HK$103,815
baseline
▲ 0.50% · 4.625%
HK$110,132
+HK$6,317/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,630/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,678
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,593
−HK$2,957/mo
Today · 4.125%
HK$114,550
baseline
▲ 0.50% · 4.625%
HK$120,588
+HK$6,038/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,100/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,227
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,874
−HK$3,704/mo
Today · 4.125%
HK$124,578
baseline
▲ 0.50% · 4.625%
HK$132,159
+HK$7,581/mo
Deposit HK$17.14M · loan HK$25.70M · min. income ≈ HK$249,156/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,414
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,912
−HK$3,548/mo
Today · 4.125%
HK$137,460
baseline
▲ 0.50% · 4.625%
HK$144,706
+HK$7,246/mo
Deposit HK$17.14M · loan HK$25.70M · min. income ≈ HK$274,920/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,765
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$141,019
−HK$4,322/mo
Today · 4.125%
HK$145,341
baseline
▲ 0.50% · 4.625%
HK$154,185
+HK$8,844/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,682/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,150
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$156,230
−HK$4,140/mo
Today · 4.125%
HK$160,370
baseline
▲ 0.50% · 4.625%
HK$168,823
+HK$8,453/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,740/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,841
−HK$11,026/mo
▼ 0.25% · 3.875%
HK$181,310
−HK$5,557/mo
Today · 4.125%
HK$186,867
baseline
▲ 0.50% · 4.625%
HK$198,238
+HK$11,371/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$373,734/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,621
−HK$10,569/mo
▼ 0.25% · 3.875%
HK$200,867
−HK$5,323/mo
Today · 4.125%
HK$206,190
baseline
▲ 0.50% · 4.625%
HK$217,058
+HK$10,868/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$412,380/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,758 · Scale 2, in force from 26 Feb 2026)