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$97,856
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,900
−HK$3,092/mo
Today · 4.125%
HK$103,992
baseline
▲ 0.50% · 4.625%
HK$110,320
+HK$6,328/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$207,984/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,864
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,783
−HK$2,962/mo
Today · 4.125%
HK$114,745
baseline
▲ 0.50% · 4.625%
HK$120,794
+HK$6,049/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$229,490/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,427
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,080
−HK$3,711/mo
Today · 4.125%
HK$124,791
baseline
▲ 0.50% · 4.625%
HK$132,384
+HK$7,593/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$249,582/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,637
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,140
−HK$3,554/mo
Today · 4.125%
HK$137,694
baseline
▲ 0.50% · 4.625%
HK$144,953
+HK$7,259/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$275,388/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,998
−HK$8,591/mo
▼ 0.25% · 3.875%
HK$141,260
−HK$4,329/mo
Today · 4.125%
HK$145,589
baseline
▲ 0.50% · 4.625%
HK$154,448
+HK$8,859/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$291,178/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,409
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$156,497
−HK$4,147/mo
Today · 4.125%
HK$160,644
baseline
▲ 0.50% · 4.625%
HK$169,111
+HK$8,467/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$321,288/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,141
−HK$11,045/mo
▼ 0.25% · 3.875%
HK$181,620
−HK$5,566/mo
Today · 4.125%
HK$187,186
baseline
▲ 0.50% · 4.625%
HK$198,576
+HK$11,390/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$374,372/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,823,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,955
−HK$10,587/mo
▼ 0.25% · 3.875%
HK$201,210
−HK$5,332/mo
Today · 4.125%
HK$206,542
baseline
▲ 0.50% · 4.625%
HK$217,429
+HK$10,887/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$413,084/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,823,866 · Scale 2, in force from 26 Feb 2026)