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$97,696
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,735
−HK$3,088/mo
Today · 4.125%
HK$103,823
baseline
▲ 0.50% · 4.625%
HK$110,140
+HK$6,317/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,646/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,686
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,601
−HK$2,957/mo
Today · 4.125%
HK$114,558
baseline
▲ 0.50% · 4.625%
HK$120,597
+HK$6,039/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,116/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,236
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,882
−HK$3,705/mo
Today · 4.125%
HK$124,587
baseline
▲ 0.50% · 4.625%
HK$132,168
+HK$7,581/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,174/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,424
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,921
−HK$3,549/mo
Today · 4.125%
HK$137,470
baseline
▲ 0.50% · 4.625%
HK$144,716
+HK$7,246/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,940/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,775
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$141,029
−HK$4,323/mo
Today · 4.125%
HK$145,352
baseline
▲ 0.50% · 4.625%
HK$154,196
+HK$8,844/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,704/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,161
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$156,242
−HK$4,140/mo
Today · 4.125%
HK$160,382
baseline
▲ 0.50% · 4.625%
HK$168,835
+HK$8,453/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,764/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,854
−HK$11,027/mo
▼ 0.25% · 3.875%
HK$181,324
−HK$5,557/mo
Today · 4.125%
HK$186,881
baseline
▲ 0.50% · 4.625%
HK$198,252
+HK$11,371/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$373,762/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,635
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$200,882
−HK$5,323/mo
Today · 4.125%
HK$206,205
baseline
▲ 0.50% · 4.625%
HK$217,074
+HK$10,869/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$412,410/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,820,891 · Scale 2, in force from 26 Feb 2026)