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$97,877
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,922
−HK$3,093/mo
Today · 4.125%
HK$104,015
baseline
▲ 0.50% · 4.625%
HK$110,344
+HK$6,329/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$208,030/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,888
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,808
−HK$2,963/mo
Today · 4.125%
HK$114,771
baseline
▲ 0.50% · 4.625%
HK$120,820
+HK$6,049/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$229,542/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,453
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,106
−HK$3,712/mo
Today · 4.125%
HK$124,818
baseline
▲ 0.50% · 4.625%
HK$132,413
+HK$7,595/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$249,636/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,824,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,665
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,170
−HK$3,555/mo
Today · 4.125%
HK$137,725
baseline
▲ 0.50% · 4.625%
HK$144,984
+HK$7,259/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$275,450/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,824,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,028
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,291
−HK$4,330/mo
Today · 4.125%
HK$145,621
baseline
▲ 0.50% · 4.625%
HK$154,482
+HK$8,861/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$291,242/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,443
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$156,531
−HK$4,148/mo
Today · 4.125%
HK$160,679
baseline
▲ 0.50% · 4.625%
HK$169,148
+HK$8,469/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$321,358/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,179
−HK$11,048/mo
▼ 0.25% · 3.875%
HK$181,660
−HK$5,567/mo
Today · 4.125%
HK$187,227
baseline
▲ 0.50% · 4.625%
HK$198,620
+HK$11,393/mo
Deposit HK$4.29M · loan HK$38.63M · min. income ≈ HK$374,454/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,998
−HK$10,589/mo
▼ 0.25% · 3.875%
HK$201,254
−HK$5,333/mo
Today · 4.125%
HK$206,587
baseline
▲ 0.50% · 4.625%
HK$217,476
+HK$10,889/mo
Deposit HK$4.29M · loan HK$38.63M · min. income ≈ HK$413,174/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,265 · Scale 2, in force from 26 Feb 2026)