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$97,862
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,906
−HK$3,092/mo
Today · 4.125%
HK$103,998
baseline
▲ 0.50% · 4.625%
HK$110,326
+HK$6,328/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$207,996/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,870
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,790
−HK$2,962/mo
Today · 4.125%
HK$114,752
baseline
▲ 0.50% · 4.625%
HK$120,801
+HK$6,049/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$229,504/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,434
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,087
−HK$3,711/mo
Today · 4.125%
HK$124,798
baseline
▲ 0.50% · 4.625%
HK$132,392
+HK$7,594/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$249,596/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,644
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,148
−HK$3,554/mo
Today · 4.125%
HK$137,702
baseline
▲ 0.50% · 4.625%
HK$144,961
+HK$7,259/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$275,404/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,006
−HK$8,592/mo
▼ 0.25% · 3.875%
HK$141,268
−HK$4,330/mo
Today · 4.125%
HK$145,598
baseline
▲ 0.50% · 4.625%
HK$154,457
+HK$8,859/mo
Deposit HK$12.88M · loan HK$30.04M · min. income ≈ HK$291,196/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,418
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$156,506
−HK$4,147/mo
Today · 4.125%
HK$160,653
baseline
▲ 0.50% · 4.625%
HK$169,121
+HK$8,468/mo
Deposit HK$12.88M · loan HK$30.04M · min. income ≈ HK$321,306/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,151
−HK$11,046/mo
▼ 0.25% · 3.875%
HK$181,630
−HK$5,567/mo
Today · 4.125%
HK$187,197
baseline
▲ 0.50% · 4.625%
HK$198,587
+HK$11,390/mo
Deposit HK$4.29M · loan HK$38.63M · min. income ≈ HK$374,394/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,823,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,966
−HK$10,587/mo
▼ 0.25% · 3.875%
HK$201,222
−HK$5,331/mo
Today · 4.125%
HK$206,553
baseline
▲ 0.50% · 4.625%
HK$217,441
+HK$10,888/mo
Deposit HK$4.29M · loan HK$38.63M · min. income ≈ HK$413,106/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,823,968 · Scale 2, in force from 26 Feb 2026)