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$97,544
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,578
−HK$3,082/mo
Today · 4.125%
HK$103,660
baseline
▲ 0.50% · 4.625%
HK$109,968
+HK$6,308/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$207,320/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,516
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,427
−HK$2,952/mo
Today · 4.125%
HK$114,379
baseline
▲ 0.50% · 4.625%
HK$120,408
+HK$6,029/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$228,758/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,052
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,693
−HK$3,700/mo
Today · 4.125%
HK$124,393
baseline
▲ 0.50% · 4.625%
HK$131,962
+HK$7,569/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$248,786/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,220
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$133,712
−HK$3,543/mo
Today · 4.125%
HK$137,255
baseline
▲ 0.50% · 4.625%
HK$144,490
+HK$7,235/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$274,510/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,561
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$140,809
−HK$4,316/mo
Today · 4.125%
HK$145,125
baseline
▲ 0.50% · 4.625%
HK$153,955
+HK$8,830/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$290,250/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,923
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$155,997
−HK$4,134/mo
Today · 4.125%
HK$160,131
baseline
▲ 0.50% · 4.625%
HK$168,572
+HK$8,441/mo
Deposit HK$12.83M · loan HK$29.94M · min. income ≈ HK$320,262/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,579
−HK$11,010/mo
▼ 0.25% · 3.875%
HK$181,040
−HK$5,549/mo
Today · 4.125%
HK$186,589
baseline
▲ 0.50% · 4.625%
HK$197,942
+HK$11,353/mo
Deposit HK$4.28M · loan HK$38.50M · min. income ≈ HK$373,178/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,329
−HK$10,553/mo
▼ 0.25% · 3.875%
HK$200,568
−HK$5,314/mo
Today · 4.125%
HK$205,882
baseline
▲ 0.50% · 4.625%
HK$216,735
+HK$10,853/mo
Deposit HK$4.28M · loan HK$38.50M · min. income ≈ HK$411,764/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,044 · Scale 2, in force from 26 Feb 2026)