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$97,851
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,895
−HK$3,093/mo
Today · 4.125%
HK$103,988
baseline
▲ 0.50% · 4.625%
HK$110,315
+HK$6,327/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$207,976/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,859
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,778
−HK$2,962/mo
Today · 4.125%
HK$114,740
baseline
▲ 0.50% · 4.625%
HK$120,788
+HK$6,048/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$229,480/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,422
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,074
−HK$3,711/mo
Today · 4.125%
HK$124,785
baseline
▲ 0.50% · 4.625%
HK$132,378
+HK$7,593/mo
Deposit HK$17.16M · loan HK$25.75M · min. income ≈ HK$249,570/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,631
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,134
−HK$3,554/mo
Today · 4.125%
HK$137,688
baseline
▲ 0.50% · 4.625%
HK$144,946
+HK$7,258/mo
Deposit HK$17.16M · loan HK$25.75M · min. income ≈ HK$275,376/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,992
−HK$8,591/mo
▼ 0.25% · 3.875%
HK$141,253
−HK$4,330/mo
Today · 4.125%
HK$145,583
baseline
▲ 0.50% · 4.625%
HK$154,441
+HK$8,858/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$291,166/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,402
−HK$8,234/mo
▼ 0.25% · 3.875%
HK$156,490
−HK$4,146/mo
Today · 4.125%
HK$160,636
baseline
▲ 0.50% · 4.625%
HK$169,103
+HK$8,467/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$321,272/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,133
−HK$11,045/mo
▼ 0.25% · 3.875%
HK$181,611
−HK$5,567/mo
Today · 4.125%
HK$187,178
baseline
▲ 0.50% · 4.625%
HK$198,567
+HK$11,389/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$374,356/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,823,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,946
−HK$10,586/mo
▼ 0.25% · 3.875%
HK$201,201
−HK$5,331/mo
Today · 4.125%
HK$206,532
baseline
▲ 0.50% · 4.625%
HK$217,419
+HK$10,887/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$413,064/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,823,781 · Scale 2, in force from 26 Feb 2026)