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$97,836
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,879
−HK$3,092/mo
Today · 4.125%
HK$103,971
baseline
▲ 0.50% · 4.625%
HK$110,298
+HK$6,327/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,942/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,842
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,761
−HK$2,961/mo
Today · 4.125%
HK$114,722
baseline
▲ 0.50% · 4.625%
HK$120,769
+HK$6,047/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,444/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,403
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,055
−HK$3,710/mo
Today · 4.125%
HK$124,765
baseline
▲ 0.50% · 4.625%
HK$132,357
+HK$7,592/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,530/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,610
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$134,113
−HK$3,553/mo
Today · 4.125%
HK$137,666
baseline
▲ 0.50% · 4.625%
HK$144,923
+HK$7,257/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,332/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,970
−HK$8,590/mo
▼ 0.25% · 3.875%
HK$141,231
−HK$4,329/mo
Today · 4.125%
HK$145,560
baseline
▲ 0.50% · 4.625%
HK$154,417
+HK$8,857/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,120/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,378
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$156,465
−HK$4,146/mo
Today · 4.125%
HK$160,611
baseline
▲ 0.50% · 4.625%
HK$169,077
+HK$8,466/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,222/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,105
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$181,583
−HK$5,565/mo
Today · 4.125%
HK$187,148
baseline
▲ 0.50% · 4.625%
HK$198,536
+HK$11,388/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$374,296/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,915
−HK$10,584/mo
▼ 0.25% · 3.875%
HK$201,169
−HK$5,330/mo
Today · 4.125%
HK$206,499
baseline
▲ 0.50% · 4.625%
HK$217,384
+HK$10,885/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$412,998/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,493 · Scale 2, in force from 26 Feb 2026)