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$97,493
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,526
−HK$3,081/mo
Today · 4.125%
HK$103,607
baseline
▲ 0.50% · 4.625%
HK$109,911
+HK$6,304/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,214/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,460
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,369
−HK$2,951/mo
Today · 4.125%
HK$114,320
baseline
▲ 0.50% · 4.625%
HK$120,346
+HK$6,026/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,640/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,992
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,631
−HK$3,697/mo
Today · 4.125%
HK$124,328
baseline
▲ 0.50% · 4.625%
HK$131,893
+HK$7,565/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,656/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,152
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,643
−HK$3,541/mo
Today · 4.125%
HK$137,184
baseline
▲ 0.50% · 4.625%
HK$144,415
+HK$7,231/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,368/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,490
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$140,736
−HK$4,313/mo
Today · 4.125%
HK$145,049
baseline
▲ 0.50% · 4.625%
HK$153,875
+HK$8,826/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,098/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,844
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,916
−HK$4,132/mo
Today · 4.125%
HK$160,048
baseline
▲ 0.50% · 4.625%
HK$168,484
+HK$8,436/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,096/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,488
−HK$11,004/mo
▼ 0.25% · 3.875%
HK$180,946
−HK$5,546/mo
Today · 4.125%
HK$186,492
baseline
▲ 0.50% · 4.625%
HK$197,840
+HK$11,348/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$372,984/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,228
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$200,464
−HK$5,312/mo
Today · 4.125%
HK$205,776
baseline
▲ 0.50% · 4.625%
HK$216,622
+HK$10,846/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,552/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,102 · Scale 2, in force from 26 Feb 2026)