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$97,733
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,774
−HK$3,088/mo
Today · 4.125%
HK$103,862
baseline
▲ 0.50% · 4.625%
HK$110,182
+HK$6,320/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$207,724/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,728
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,644
−HK$2,958/mo
Today · 4.125%
HK$114,602
baseline
▲ 0.50% · 4.625%
HK$120,643
+HK$6,041/mo
Deposit HK$21.43M · loan HK$21.43M · min. income ≈ HK$229,204/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,280
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,928
−HK$3,707/mo
Today · 4.125%
HK$124,635
baseline
▲ 0.50% · 4.625%
HK$132,218
+HK$7,583/mo
Deposit HK$17.14M · loan HK$25.72M · min. income ≈ HK$249,270/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,473
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,972
−HK$3,550/mo
Today · 4.125%
HK$137,522
baseline
▲ 0.50% · 4.625%
HK$144,771
+HK$7,249/mo
Deposit HK$17.14M · loan HK$25.72M · min. income ≈ HK$275,044/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,821,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,827
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$141,083
−HK$4,324/mo
Today · 4.125%
HK$145,407
baseline
▲ 0.50% · 4.625%
HK$154,255
+HK$8,848/mo
Deposit HK$12.86M · loan HK$30.00M · min. income ≈ HK$290,814/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,219
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$156,301
−HK$4,141/mo
Today · 4.125%
HK$160,442
baseline
▲ 0.50% · 4.625%
HK$168,900
+HK$8,458/mo
Deposit HK$12.86M · loan HK$30.00M · min. income ≈ HK$320,884/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,920
−HK$11,032/mo
▼ 0.25% · 3.875%
HK$181,392
−HK$5,560/mo
Today · 4.125%
HK$186,952
baseline
▲ 0.50% · 4.625%
HK$198,328
+HK$11,376/mo
Deposit HK$4.29M · loan HK$38.57M · min. income ≈ HK$373,904/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,710
−HK$10,573/mo
▼ 0.25% · 3.875%
HK$200,958
−HK$5,325/mo
Today · 4.125%
HK$206,283
baseline
▲ 0.50% · 4.625%
HK$217,157
+HK$10,874/mo
Deposit HK$4.29M · loan HK$38.57M · min. income ≈ HK$412,566/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,582 · Scale 2, in force from 26 Feb 2026)