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$97,289
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,315
−HK$3,074/mo
Today · 4.125%
HK$103,389
baseline
▲ 0.50% · 4.625%
HK$109,680
+HK$6,291/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$206,778/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,233
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,135
−HK$2,945/mo
Today · 4.125%
HK$114,080
baseline
▲ 0.50% · 4.625%
HK$120,093
+HK$6,013/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$228,160/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$1,813,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,746
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$120,378
−HK$3,689/mo
Today · 4.125%
HK$124,067
baseline
▲ 0.50% · 4.625%
HK$131,617
+HK$7,550/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$248,134/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,879
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$133,362
−HK$3,534/mo
Today · 4.125%
HK$136,896
baseline
▲ 0.50% · 4.625%
HK$144,112
+HK$7,216/mo
Deposit HK$17.07M · loan HK$25.60M · min. income ≈ HK$273,792/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,204
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$140,441
−HK$4,304/mo
Today · 4.125%
HK$144,745
baseline
▲ 0.50% · 4.625%
HK$153,553
+HK$8,808/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$289,490/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,526
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$155,589
−HK$4,123/mo
Today · 4.125%
HK$159,712
baseline
▲ 0.50% · 4.625%
HK$168,131
+HK$8,419/mo
Deposit HK$12.80M · loan HK$29.87M · min. income ≈ HK$319,424/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,119
−HK$10,982/mo
▼ 0.25% · 3.875%
HK$180,567
−HK$5,534/mo
Today · 4.125%
HK$186,101
baseline
▲ 0.50% · 4.625%
HK$197,425
+HK$11,324/mo
Deposit HK$4.27M · loan HK$38.40M · min. income ≈ HK$372,202/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,819
−HK$10,525/mo
▼ 0.25% · 3.875%
HK$200,044
−HK$5,300/mo
Today · 4.125%
HK$205,344
baseline
▲ 0.50% · 4.625%
HK$216,168
+HK$10,824/mo
Deposit HK$4.27M · loan HK$38.40M · min. income ≈ HK$410,688/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,290 · Scale 2, in force from 26 Feb 2026)