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$97,930
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,976
−HK$3,095/mo
Today · 4.125%
HK$104,071
baseline
▲ 0.50% · 4.625%
HK$110,404
+HK$6,333/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,142/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,946
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,868
−HK$2,964/mo
Today · 4.125%
HK$114,832
baseline
▲ 0.50% · 4.625%
HK$120,885
+HK$6,053/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,664/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,516
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,172
−HK$3,714/mo
Today · 4.125%
HK$124,886
baseline
▲ 0.50% · 4.625%
HK$132,485
+HK$7,599/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,772/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,825,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,736
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,242
−HK$3,557/mo
Today · 4.125%
HK$137,799
baseline
▲ 0.50% · 4.625%
HK$145,062
+HK$7,263/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,598/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,825,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,102
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$141,367
−HK$4,333/mo
Today · 4.125%
HK$145,700
baseline
▲ 0.50% · 4.625%
HK$154,565
+HK$8,865/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$291,400/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,525
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$156,616
−HK$4,149/mo
Today · 4.125%
HK$160,765
baseline
▲ 0.50% · 4.625%
HK$169,239
+HK$8,474/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$321,530/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,274
−HK$11,054/mo
▼ 0.25% · 3.875%
HK$181,757
−HK$5,571/mo
Today · 4.125%
HK$187,328
baseline
▲ 0.50% · 4.625%
HK$198,727
+HK$11,399/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$374,656/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,103
−HK$10,595/mo
▼ 0.25% · 3.875%
HK$201,363
−HK$5,335/mo
Today · 4.125%
HK$206,698
baseline
▲ 0.50% · 4.625%
HK$217,594
+HK$10,896/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$413,396/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,248 · Scale 2, in force from 26 Feb 2026)