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$97,810
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,852
−HK$3,091/mo
Today · 4.125%
HK$103,943
baseline
▲ 0.50% · 4.625%
HK$110,268
+HK$6,325/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,886/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,812
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,730
−HK$2,961/mo
Today · 4.125%
HK$114,691
baseline
▲ 0.50% · 4.625%
HK$120,737
+HK$6,046/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,382/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,372
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,022
−HK$3,710/mo
Today · 4.125%
HK$124,732
baseline
▲ 0.50% · 4.625%
HK$132,321
+HK$7,589/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,464/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,575
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,077
−HK$3,552/mo
Today · 4.125%
HK$137,629
baseline
▲ 0.50% · 4.625%
HK$144,884
+HK$7,255/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,258/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,933
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$141,193
−HK$4,327/mo
Today · 4.125%
HK$145,520
baseline
▲ 0.50% · 4.625%
HK$154,375
+HK$8,855/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,040/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,337
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$156,423
−HK$4,144/mo
Today · 4.125%
HK$160,567
baseline
▲ 0.50% · 4.625%
HK$169,031
+HK$8,464/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,134/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,057
−HK$11,041/mo
▼ 0.25% · 3.875%
HK$181,534
−HK$5,564/mo
Today · 4.125%
HK$187,098
baseline
▲ 0.50% · 4.625%
HK$198,482
+HK$11,384/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$374,196/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,862
−HK$10,582/mo
▼ 0.25% · 3.875%
HK$201,115
−HK$5,329/mo
Today · 4.125%
HK$206,444
baseline
▲ 0.50% · 4.625%
HK$217,326
+HK$10,882/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$412,888/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,001 · Scale 2, in force from 26 Feb 2026)