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$97,934
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,981
−HK$3,095/mo
Today · 4.125%
HK$104,076
baseline
▲ 0.50% · 4.625%
HK$110,408
+HK$6,332/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,152/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,951
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,873
−HK$2,964/mo
Today · 4.125%
HK$114,837
baseline
▲ 0.50% · 4.625%
HK$120,890
+HK$6,053/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,674/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,521
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,177
−HK$3,714/mo
Today · 4.125%
HK$124,891
baseline
▲ 0.50% · 4.625%
HK$132,490
+HK$7,599/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,782/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,825,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,741
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,247
−HK$3,558/mo
Today · 4.125%
HK$137,805
baseline
▲ 0.50% · 4.625%
HK$145,068
+HK$7,263/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,610/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,825,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,108
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$141,373
−HK$4,333/mo
Today · 4.125%
HK$145,706
baseline
▲ 0.50% · 4.625%
HK$154,572
+HK$8,866/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$291,412/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,531
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$156,622
−HK$4,150/mo
Today · 4.125%
HK$160,772
baseline
▲ 0.50% · 4.625%
HK$169,247
+HK$8,475/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$321,544/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,282
−HK$11,054/mo
▼ 0.25% · 3.875%
HK$181,765
−HK$5,571/mo
Today · 4.125%
HK$187,336
baseline
▲ 0.50% · 4.625%
HK$198,735
+HK$11,399/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$374,672/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,112
−HK$10,595/mo
▼ 0.25% · 3.875%
HK$201,371
−HK$5,336/mo
Today · 4.125%
HK$206,707
baseline
▲ 0.50% · 4.625%
HK$217,603
+HK$10,896/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$413,414/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,324 · Scale 2, in force from 26 Feb 2026)