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$97,798
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,840
−HK$3,091/mo
Today · 4.125%
HK$103,931
baseline
▲ 0.50% · 4.625%
HK$110,254
+HK$6,323/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$207,862/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,799
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,717
−HK$2,960/mo
Today · 4.125%
HK$114,677
baseline
▲ 0.50% · 4.625%
HK$120,722
+HK$6,045/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$229,354/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,357
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,008
−HK$3,709/mo
Today · 4.125%
HK$124,717
baseline
▲ 0.50% · 4.625%
HK$132,305
+HK$7,588/mo
Deposit HK$17.16M · loan HK$25.73M · min. income ≈ HK$249,434/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,559
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$134,060
−HK$3,552/mo
Today · 4.125%
HK$137,612
baseline
▲ 0.50% · 4.625%
HK$144,866
+HK$7,254/mo
Deposit HK$17.16M · loan HK$25.73M · min. income ≈ HK$275,224/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,917
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,176
−HK$4,327/mo
Today · 4.125%
HK$145,503
baseline
▲ 0.50% · 4.625%
HK$154,356
+HK$8,853/mo
Deposit HK$12.87M · loan HK$30.02M · min. income ≈ HK$291,006/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,319
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$156,404
−HK$4,144/mo
Today · 4.125%
HK$160,548
baseline
▲ 0.50% · 4.625%
HK$169,011
+HK$8,463/mo
Deposit HK$12.87M · loan HK$30.02M · min. income ≈ HK$321,096/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,036
−HK$11,039/mo
▼ 0.25% · 3.875%
HK$181,512
−HK$5,563/mo
Today · 4.125%
HK$187,075
baseline
▲ 0.50% · 4.625%
HK$198,458
+HK$11,383/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$374,150/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,838
−HK$10,581/mo
▼ 0.25% · 3.875%
HK$201,090
−HK$5,329/mo
Today · 4.125%
HK$206,419
baseline
▲ 0.50% · 4.625%
HK$217,299
+HK$10,880/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$412,838/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,779 · Scale 2, in force from 26 Feb 2026)