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$97,678
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,717
−HK$3,087/mo
Today · 4.125%
HK$103,804
baseline
▲ 0.50% · 4.625%
HK$110,120
+HK$6,316/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,608/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,666
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,581
−HK$2,956/mo
Today · 4.125%
HK$114,537
baseline
▲ 0.50% · 4.625%
HK$120,575
+HK$6,038/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,074/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,214
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,860
−HK$3,705/mo
Today · 4.125%
HK$124,565
baseline
▲ 0.50% · 4.625%
HK$132,144
+HK$7,579/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$249,130/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,400
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,897
−HK$3,548/mo
Today · 4.125%
HK$137,445
baseline
▲ 0.50% · 4.625%
HK$144,690
+HK$7,245/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$274,890/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,750
−HK$8,575/mo
▼ 0.25% · 3.875%
HK$141,004
−HK$4,321/mo
Today · 4.125%
HK$145,325
baseline
▲ 0.50% · 4.625%
HK$154,168
+HK$8,843/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,650/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,133
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$156,213
−HK$4,139/mo
Today · 4.125%
HK$160,352
baseline
▲ 0.50% · 4.625%
HK$168,804
+HK$8,452/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,704/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,821
−HK$11,026/mo
▼ 0.25% · 3.875%
HK$181,290
−HK$5,557/mo
Today · 4.125%
HK$186,847
baseline
▲ 0.50% · 4.625%
HK$198,216
+HK$11,369/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$373,694/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,599
−HK$10,568/mo
▼ 0.25% · 3.875%
HK$200,845
−HK$5,322/mo
Today · 4.125%
HK$206,167
baseline
▲ 0.50% · 4.625%
HK$217,034
+HK$10,867/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$412,334/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,557 · Scale 2, in force from 26 Feb 2026)