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$97,768
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,809
−HK$3,090/mo
Today · 4.125%
HK$103,899
baseline
▲ 0.50% · 4.625%
HK$110,221
+HK$6,322/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$207,798/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,822,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,766
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,683
−HK$2,959/mo
Today · 4.125%
HK$114,642
baseline
▲ 0.50% · 4.625%
HK$120,685
+HK$6,043/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$229,284/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,822,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,321
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$120,971
−HK$3,707/mo
Today · 4.125%
HK$124,678
baseline
▲ 0.50% · 4.625%
HK$132,265
+HK$7,587/mo
Deposit HK$17.15M · loan HK$25.73M · min. income ≈ HK$249,356/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,822,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,519
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$134,019
−HK$3,551/mo
Today · 4.125%
HK$137,570
baseline
▲ 0.50% · 4.625%
HK$144,822
+HK$7,252/mo
Deposit HK$17.15M · loan HK$25.73M · min. income ≈ HK$275,140/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,822,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,875
−HK$8,583/mo
▼ 0.25% · 3.875%
HK$141,132
−HK$4,326/mo
Today · 4.125%
HK$145,458
baseline
▲ 0.50% · 4.625%
HK$154,309
+HK$8,851/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$290,916/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,822,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,272
−HK$8,227/mo
▼ 0.25% · 3.875%
HK$156,356
−HK$4,143/mo
Today · 4.125%
HK$160,499
baseline
▲ 0.50% · 4.625%
HK$168,959
+HK$8,460/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$320,998/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,822,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,982
−HK$11,036/mo
▼ 0.25% · 3.875%
HK$181,456
−HK$5,562/mo
Today · 4.125%
HK$187,018
baseline
▲ 0.50% · 4.625%
HK$198,397
+HK$11,379/mo
Deposit HK$4.29M · loan HK$38.59M · min. income ≈ HK$374,036/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,778
−HK$10,577/mo
▼ 0.25% · 3.875%
HK$201,029
−HK$5,326/mo
Today · 4.125%
HK$206,355
baseline
▲ 0.50% · 4.625%
HK$217,233
+HK$10,878/mo
Deposit HK$4.29M · loan HK$38.59M · min. income ≈ HK$412,710/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,220 · Scale 2, in force from 26 Feb 2026)