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$97,814
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,857
−HK$3,091/mo
Today · 4.125%
HK$103,948
baseline
▲ 0.50% · 4.625%
HK$110,273
+HK$6,325/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,896/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,817
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,736
−HK$2,960/mo
Today · 4.125%
HK$114,696
baseline
▲ 0.50% · 4.625%
HK$120,742
+HK$6,046/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,392/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,377
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,028
−HK$3,709/mo
Today · 4.125%
HK$124,737
baseline
▲ 0.50% · 4.625%
HK$132,327
+HK$7,590/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,474/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,581
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,083
−HK$3,552/mo
Today · 4.125%
HK$137,635
baseline
▲ 0.50% · 4.625%
HK$144,890
+HK$7,255/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,270/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,940
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$141,199
−HK$4,328/mo
Today · 4.125%
HK$145,527
baseline
▲ 0.50% · 4.625%
HK$154,382
+HK$8,855/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,054/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,344
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$156,430
−HK$4,145/mo
Today · 4.125%
HK$160,575
baseline
▲ 0.50% · 4.625%
HK$169,039
+HK$8,464/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,150/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,065
−HK$11,041/mo
▼ 0.25% · 3.875%
HK$181,542
−HK$5,564/mo
Today · 4.125%
HK$187,106
baseline
▲ 0.50% · 4.625%
HK$198,491
+HK$11,385/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$374,212/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,871
−HK$10,582/mo
▼ 0.25% · 3.875%
HK$201,124
−HK$5,329/mo
Today · 4.125%
HK$206,453
baseline
▲ 0.50% · 4.625%
HK$217,336
+HK$10,883/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$412,906/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,084 · Scale 2, in force from 26 Feb 2026)