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$97,877
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,921
−HK$3,093/mo
Today · 4.125%
HK$104,014
baseline
▲ 0.50% · 4.625%
HK$110,343
+HK$6,329/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$208,028/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,887
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,807
−HK$2,963/mo
Today · 4.125%
HK$114,770
baseline
▲ 0.50% · 4.625%
HK$120,819
+HK$6,049/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$229,540/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,452
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,105
−HK$3,712/mo
Today · 4.125%
HK$124,817
baseline
▲ 0.50% · 4.625%
HK$132,412
+HK$7,595/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$249,634/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,824,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,664
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,168
−HK$3,555/mo
Today · 4.125%
HK$137,723
baseline
▲ 0.50% · 4.625%
HK$144,983
+HK$7,260/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$275,446/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,824,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,027
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,290
−HK$4,330/mo
Today · 4.125%
HK$145,620
baseline
▲ 0.50% · 4.625%
HK$154,481
+HK$8,861/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$291,240/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,441
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$156,530
−HK$4,147/mo
Today · 4.125%
HK$160,677
baseline
▲ 0.50% · 4.625%
HK$169,147
+HK$8,470/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$321,354/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,178
−HK$11,048/mo
▼ 0.25% · 3.875%
HK$181,658
−HK$5,568/mo
Today · 4.125%
HK$187,226
baseline
▲ 0.50% · 4.625%
HK$198,618
+HK$11,392/mo
Deposit HK$4.29M · loan HK$38.63M · min. income ≈ HK$374,452/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,996
−HK$10,589/mo
▼ 0.25% · 3.875%
HK$201,253
−HK$5,332/mo
Today · 4.125%
HK$206,585
baseline
▲ 0.50% · 4.625%
HK$217,475
+HK$10,890/mo
Deposit HK$4.29M · loan HK$38.63M · min. income ≈ HK$413,170/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,250 · Scale 2, in force from 26 Feb 2026)