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$97,558
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,592
−HK$3,083/mo
Today · 4.125%
HK$103,675
baseline
▲ 0.50% · 4.625%
HK$109,984
+HK$6,309/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$207,350/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,532
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,443
−HK$2,953/mo
Today · 4.125%
HK$114,396
baseline
▲ 0.50% · 4.625%
HK$120,426
+HK$6,030/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$228,792/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,069
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$120,711
−HK$3,700/mo
Today · 4.125%
HK$124,411
baseline
▲ 0.50% · 4.625%
HK$131,981
+HK$7,570/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$248,822/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,238
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,731
−HK$3,544/mo
Today · 4.125%
HK$137,275
baseline
▲ 0.50% · 4.625%
HK$144,511
+HK$7,236/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$274,550/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,581
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,829
−HK$4,317/mo
Today · 4.125%
HK$145,146
baseline
▲ 0.50% · 4.625%
HK$153,977
+HK$8,831/mo
Deposit HK$12.84M · loan HK$29.95M · min. income ≈ HK$290,292/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,945
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,020
−HK$4,134/mo
Today · 4.125%
HK$160,154
baseline
▲ 0.50% · 4.625%
HK$168,596
+HK$8,442/mo
Deposit HK$12.84M · loan HK$29.95M · min. income ≈ HK$320,308/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,604
−HK$11,012/mo
▼ 0.25% · 3.875%
HK$181,066
−HK$5,550/mo
Today · 4.125%
HK$186,616
baseline
▲ 0.50% · 4.625%
HK$197,971
+HK$11,355/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$373,232/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,358
−HK$10,554/mo
▼ 0.25% · 3.875%
HK$200,597
−HK$5,315/mo
Today · 4.125%
HK$205,912
baseline
▲ 0.50% · 4.625%
HK$216,766
+HK$10,854/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$411,824/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,306 · Scale 2, in force from 26 Feb 2026)