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$97,697
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,736
−HK$3,088/mo
Today · 4.125%
HK$103,824
baseline
▲ 0.50% · 4.625%
HK$110,141
+HK$6,317/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,648/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,687
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,602
−HK$2,957/mo
Today · 4.125%
HK$114,559
baseline
▲ 0.50% · 4.625%
HK$120,598
+HK$6,039/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,118/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,236
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,883
−HK$3,705/mo
Today · 4.125%
HK$124,588
baseline
▲ 0.50% · 4.625%
HK$132,169
+HK$7,581/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,176/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,424
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,922
−HK$3,549/mo
Today · 4.125%
HK$137,471
baseline
▲ 0.50% · 4.625%
HK$144,717
+HK$7,246/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,942/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,776
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$141,030
−HK$4,323/mo
Today · 4.125%
HK$145,353
baseline
▲ 0.50% · 4.625%
HK$154,197
+HK$8,844/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,706/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,162
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$156,243
−HK$4,140/mo
Today · 4.125%
HK$160,383
baseline
▲ 0.50% · 4.625%
HK$168,837
+HK$8,454/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,766/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,855
−HK$11,027/mo
▼ 0.25% · 3.875%
HK$181,325
−HK$5,557/mo
Today · 4.125%
HK$186,882
baseline
▲ 0.50% · 4.625%
HK$198,254
+HK$11,372/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$373,764/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,637
−HK$10,569/mo
▼ 0.25% · 3.875%
HK$200,883
−HK$5,323/mo
Today · 4.125%
HK$206,206
baseline
▲ 0.50% · 4.625%
HK$217,076
+HK$10,870/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$412,412/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,903 · Scale 2, in force from 26 Feb 2026)