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$97,906
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,952
−HK$3,094/mo
Today · 4.125%
HK$104,046
baseline
▲ 0.50% · 4.625%
HK$110,377
+HK$6,331/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,092/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,920
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,841
−HK$2,963/mo
Today · 4.125%
HK$114,804
baseline
▲ 0.50% · 4.625%
HK$120,856
+HK$6,052/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,608/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,488
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,142
−HK$3,713/mo
Today · 4.125%
HK$124,855
baseline
▲ 0.50% · 4.625%
HK$132,452
+HK$7,597/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$249,710/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,704
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$134,209
−HK$3,556/mo
Today · 4.125%
HK$137,765
baseline
▲ 0.50% · 4.625%
HK$145,027
+HK$7,262/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$275,530/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,069
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$141,333
−HK$4,331/mo
Today · 4.125%
HK$145,664
baseline
▲ 0.50% · 4.625%
HK$154,528
+HK$8,864/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$291,328/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,488
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$156,577
−HK$4,149/mo
Today · 4.125%
HK$160,726
baseline
▲ 0.50% · 4.625%
HK$169,198
+HK$8,472/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$321,452/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,231
−HK$11,052/mo
▼ 0.25% · 3.875%
HK$181,713
−HK$5,570/mo
Today · 4.125%
HK$187,283
baseline
▲ 0.50% · 4.625%
HK$198,678
+HK$11,395/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$374,566/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,056
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$201,314
−HK$5,334/mo
Today · 4.125%
HK$206,648
baseline
▲ 0.50% · 4.625%
HK$217,541
+HK$10,893/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$413,296/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,804 · Scale 2, in force from 26 Feb 2026)