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$97,738
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,778
−HK$3,089/mo
Today · 4.125%
HK$103,867
baseline
▲ 0.50% · 4.625%
HK$110,187
+HK$6,320/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$207,734/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,732
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,649
−HK$2,958/mo
Today · 4.125%
HK$114,607
baseline
▲ 0.50% · 4.625%
HK$120,648
+HK$6,041/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$229,214/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,285
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,934
−HK$3,706/mo
Today · 4.125%
HK$124,640
baseline
▲ 0.50% · 4.625%
HK$132,224
+HK$7,584/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$249,280/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,479
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,978
−HK$3,550/mo
Today · 4.125%
HK$137,528
baseline
▲ 0.50% · 4.625%
HK$144,778
+HK$7,250/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$275,056/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,833
−HK$8,581/mo
▼ 0.25% · 3.875%
HK$141,089
−HK$4,325/mo
Today · 4.125%
HK$145,414
baseline
▲ 0.50% · 4.625%
HK$154,262
+HK$8,848/mo
Deposit HK$12.86M · loan HK$30.00M · min. income ≈ HK$290,828/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,225
−HK$8,225/mo
▼ 0.25% · 3.875%
HK$156,308
−HK$4,142/mo
Today · 4.125%
HK$160,450
baseline
▲ 0.50% · 4.625%
HK$168,907
+HK$8,457/mo
Deposit HK$12.86M · loan HK$30.00M · min. income ≈ HK$320,900/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,928
−HK$11,032/mo
▼ 0.25% · 3.875%
HK$181,400
−HK$5,560/mo
Today · 4.125%
HK$186,960
baseline
▲ 0.50% · 4.625%
HK$198,336
+HK$11,376/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$373,920/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,718
−HK$10,574/mo
▼ 0.25% · 3.875%
HK$200,967
−HK$5,325/mo
Today · 4.125%
HK$206,292
baseline
▲ 0.50% · 4.625%
HK$217,166
+HK$10,874/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$412,584/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,663 · Scale 2, in force from 26 Feb 2026)