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$97,444
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,475
−HK$3,080/mo
Today · 4.125%
HK$103,555
baseline
▲ 0.50% · 4.625%
HK$109,856
+HK$6,301/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$207,110/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,816,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,405
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,313
−HK$2,949/mo
Today · 4.125%
HK$114,262
baseline
▲ 0.50% · 4.625%
HK$120,285
+HK$6,023/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$228,524/mo (50% DSR)
Upfront cash ≈ HK$23.18M (deposit + AVD stamp duty HK$1,816,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,933
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$120,570
−HK$3,696/mo
Today · 4.125%
HK$124,266
baseline
▲ 0.50% · 4.625%
HK$131,827
+HK$7,561/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$248,532/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,087
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$133,575
−HK$3,540/mo
Today · 4.125%
HK$137,115
baseline
▲ 0.50% · 4.625%
HK$144,342
+HK$7,227/mo
Deposit HK$17.09M · loan HK$25.64M · min. income ≈ HK$274,230/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,422
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$140,665
−HK$4,311/mo
Today · 4.125%
HK$144,976
baseline
▲ 0.50% · 4.625%
HK$153,798
+HK$8,822/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$289,952/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,768
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$155,838
−HK$4,129/mo
Today · 4.125%
HK$159,967
baseline
▲ 0.50% · 4.625%
HK$168,399
+HK$8,432/mo
Deposit HK$12.82M · loan HK$29.91M · min. income ≈ HK$319,934/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,399
−HK$10,999/mo
▼ 0.25% · 3.875%
HK$180,855
−HK$5,543/mo
Today · 4.125%
HK$186,398
baseline
▲ 0.50% · 4.625%
HK$197,740
+HK$11,342/mo
Deposit HK$4.27M · loan HK$38.46M · min. income ≈ HK$372,796/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,130
−HK$10,542/mo
▼ 0.25% · 3.875%
HK$200,363
−HK$5,309/mo
Today · 4.125%
HK$205,672
baseline
▲ 0.50% · 4.625%
HK$216,513
+HK$10,841/mo
Deposit HK$4.27M · loan HK$38.46M · min. income ≈ HK$411,344/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,186 · Scale 2, in force from 26 Feb 2026)