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$97,834
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,877
−HK$3,092/mo
Today · 4.125%
HK$103,969
baseline
▲ 0.50% · 4.625%
HK$110,295
+HK$6,326/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,938/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,839
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,758
−HK$2,962/mo
Today · 4.125%
HK$114,720
baseline
▲ 0.50% · 4.625%
HK$120,767
+HK$6,047/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,440/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,401
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,053
−HK$3,710/mo
Today · 4.125%
HK$124,763
baseline
▲ 0.50% · 4.625%
HK$132,354
+HK$7,591/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,526/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,607
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,110
−HK$3,554/mo
Today · 4.125%
HK$137,664
baseline
▲ 0.50% · 4.625%
HK$144,920
+HK$7,256/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,328/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,968
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$141,228
−HK$4,329/mo
Today · 4.125%
HK$145,557
baseline
▲ 0.50% · 4.625%
HK$154,414
+HK$8,857/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,114/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,375
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$156,462
−HK$4,146/mo
Today · 4.125%
HK$160,608
baseline
▲ 0.50% · 4.625%
HK$169,073
+HK$8,465/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,216/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,101
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$181,579
−HK$5,565/mo
Today · 4.125%
HK$187,144
baseline
▲ 0.50% · 4.625%
HK$198,532
+HK$11,388/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$374,288/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,911
−HK$10,584/mo
▼ 0.25% · 3.875%
HK$201,165
−HK$5,330/mo
Today · 4.125%
HK$206,495
baseline
▲ 0.50% · 4.625%
HK$217,380
+HK$10,885/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$412,990/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,456 · Scale 2, in force from 26 Feb 2026)