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$97,715
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,755
−HK$3,088/mo
Today · 4.125%
HK$103,843
baseline
▲ 0.50% · 4.625%
HK$110,161
+HK$6,318/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$207,686/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,707
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,623
−HK$2,957/mo
Today · 4.125%
HK$114,580
baseline
▲ 0.50% · 4.625%
HK$120,620
+HK$6,040/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$229,160/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,258
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$120,906
−HK$3,705/mo
Today · 4.125%
HK$124,611
baseline
▲ 0.50% · 4.625%
HK$132,194
+HK$7,583/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,222/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,821,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,449
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,947
−HK$3,549/mo
Today · 4.125%
HK$137,496
baseline
▲ 0.50% · 4.625%
HK$144,744
+HK$7,248/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,992/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,821,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,801
−HK$8,579/mo
▼ 0.25% · 3.875%
HK$141,056
−HK$4,324/mo
Today · 4.125%
HK$145,380
baseline
▲ 0.50% · 4.625%
HK$154,226
+HK$8,846/mo
Deposit HK$12.86M · loan HK$30.00M · min. income ≈ HK$290,760/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,190
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$156,272
−HK$4,140/mo
Today · 4.125%
HK$160,412
baseline
▲ 0.50% · 4.625%
HK$168,868
+HK$8,456/mo
Deposit HK$12.86M · loan HK$30.00M · min. income ≈ HK$320,824/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,887
−HK$11,030/mo
▼ 0.25% · 3.875%
HK$181,358
−HK$5,559/mo
Today · 4.125%
HK$186,917
baseline
▲ 0.50% · 4.625%
HK$198,290
+HK$11,373/mo
Deposit HK$4.29M · loan HK$38.57M · min. income ≈ HK$373,834/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,673
−HK$10,571/mo
▼ 0.25% · 3.875%
HK$200,921
−HK$5,323/mo
Today · 4.125%
HK$206,244
baseline
▲ 0.50% · 4.625%
HK$217,116
+HK$10,872/mo
Deposit HK$4.29M · loan HK$38.57M · min. income ≈ HK$412,488/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,240 · Scale 2, in force from 26 Feb 2026)