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$97,801
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,843
−HK$3,091/mo
Today · 4.125%
HK$103,934
baseline
▲ 0.50% · 4.625%
HK$110,258
+HK$6,324/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,868/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,802
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,720
−HK$2,960/mo
Today · 4.125%
HK$114,680
baseline
▲ 0.50% · 4.625%
HK$120,725
+HK$6,045/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,360/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,361
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$121,011
−HK$3,709/mo
Today · 4.125%
HK$124,720
baseline
▲ 0.50% · 4.625%
HK$132,309
+HK$7,589/mo
Deposit HK$17.16M · loan HK$25.73M · min. income ≈ HK$249,440/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,563
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,064
−HK$3,553/mo
Today · 4.125%
HK$137,617
baseline
▲ 0.50% · 4.625%
HK$144,871
+HK$7,254/mo
Deposit HK$17.16M · loan HK$25.73M · min. income ≈ HK$275,234/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,921
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,180
−HK$4,327/mo
Today · 4.125%
HK$145,507
baseline
▲ 0.50% · 4.625%
HK$154,361
+HK$8,854/mo
Deposit HK$12.87M · loan HK$30.02M · min. income ≈ HK$291,014/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,323
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$156,408
−HK$4,145/mo
Today · 4.125%
HK$160,553
baseline
▲ 0.50% · 4.625%
HK$169,016
+HK$8,463/mo
Deposit HK$12.87M · loan HK$30.02M · min. income ≈ HK$321,106/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,041
−HK$11,039/mo
▼ 0.25% · 3.875%
HK$181,517
−HK$5,563/mo
Today · 4.125%
HK$187,080
baseline
▲ 0.50% · 4.625%
HK$198,464
+HK$11,384/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$374,160/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,844
−HK$10,581/mo
▼ 0.25% · 3.875%
HK$201,096
−HK$5,329/mo
Today · 4.125%
HK$206,425
baseline
▲ 0.50% · 4.625%
HK$217,306
+HK$10,881/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$412,850/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,833 · Scale 2, in force from 26 Feb 2026)