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$97,552
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,586
−HK$3,083/mo
Today · 4.125%
HK$103,669
baseline
▲ 0.50% · 4.625%
HK$109,977
+HK$6,308/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$207,338/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,525
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,436
−HK$2,952/mo
Today · 4.125%
HK$114,388
baseline
▲ 0.50% · 4.625%
HK$120,418
+HK$6,030/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$228,776/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,062
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,703
−HK$3,700/mo
Today · 4.125%
HK$124,403
baseline
▲ 0.50% · 4.625%
HK$131,972
+HK$7,569/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$248,806/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,230
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,723
−HK$3,543/mo
Today · 4.125%
HK$137,266
baseline
▲ 0.50% · 4.625%
HK$144,502
+HK$7,236/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$274,532/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,572
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,820
−HK$4,317/mo
Today · 4.125%
HK$145,137
baseline
▲ 0.50% · 4.625%
HK$153,968
+HK$8,831/mo
Deposit HK$12.83M · loan HK$29.95M · min. income ≈ HK$290,274/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,935
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,010
−HK$4,134/mo
Today · 4.125%
HK$160,144
baseline
▲ 0.50% · 4.625%
HK$168,585
+HK$8,441/mo
Deposit HK$12.83M · loan HK$29.95M · min. income ≈ HK$320,288/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,593
−HK$11,011/mo
▼ 0.25% · 3.875%
HK$181,055
−HK$5,549/mo
Today · 4.125%
HK$186,604
baseline
▲ 0.50% · 4.625%
HK$197,959
+HK$11,355/mo
Deposit HK$4.28M · loan HK$38.50M · min. income ≈ HK$373,208/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,345
−HK$10,554/mo
▼ 0.25% · 3.875%
HK$200,584
−HK$5,315/mo
Today · 4.125%
HK$205,899
baseline
▲ 0.50% · 4.625%
HK$216,752
+HK$10,853/mo
Deposit HK$4.28M · loan HK$38.50M · min. income ≈ HK$411,798/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,192 · Scale 2, in force from 26 Feb 2026)