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$97,945
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,992
−HK$3,095/mo
Today · 4.125%
HK$104,087
baseline
▲ 0.50% · 4.625%
HK$110,421
+HK$6,334/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,174/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,963
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,886
−HK$2,964/mo
Today · 4.125%
HK$114,850
baseline
▲ 0.50% · 4.625%
HK$120,904
+HK$6,054/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,700/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,534
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,190
−HK$3,715/mo
Today · 4.125%
HK$124,905
baseline
▲ 0.50% · 4.625%
HK$132,505
+HK$7,600/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,810/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,756
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,263
−HK$3,557/mo
Today · 4.125%
HK$137,820
baseline
▲ 0.50% · 4.625%
HK$145,085
+HK$7,265/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,640/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,825,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,123
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$141,389
−HK$4,333/mo
Today · 4.125%
HK$145,722
baseline
▲ 0.50% · 4.625%
HK$154,589
+HK$8,867/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$291,444/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,548
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$156,640
−HK$4,150/mo
Today · 4.125%
HK$160,790
baseline
▲ 0.50% · 4.625%
HK$169,266
+HK$8,476/mo
Deposit HK$12.89M · loan HK$30.07M · min. income ≈ HK$321,580/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,302
−HK$11,055/mo
▼ 0.25% · 3.875%
HK$181,786
−HK$5,571/mo
Today · 4.125%
HK$187,357
baseline
▲ 0.50% · 4.625%
HK$198,757
+HK$11,400/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$374,714/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,134
−HK$10,596/mo
▼ 0.25% · 3.875%
HK$201,394
−HK$5,336/mo
Today · 4.125%
HK$206,730
baseline
▲ 0.50% · 4.625%
HK$217,627
+HK$10,897/mo
Deposit HK$4.30M · loan HK$38.66M · min. income ≈ HK$413,460/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,530 · Scale 2, in force from 26 Feb 2026)