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$97,818
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,860
−HK$3,092/mo
Today · 4.125%
HK$103,952
baseline
▲ 0.50% · 4.625%
HK$110,277
+HK$6,325/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,904/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,821
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,740
−HK$2,960/mo
Today · 4.125%
HK$114,700
baseline
▲ 0.50% · 4.625%
HK$120,746
+HK$6,046/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,400/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,381
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$121,032
−HK$3,710/mo
Today · 4.125%
HK$124,742
baseline
▲ 0.50% · 4.625%
HK$132,332
+HK$7,590/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,484/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,585
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$134,088
−HK$3,552/mo
Today · 4.125%
HK$137,640
baseline
▲ 0.50% · 4.625%
HK$144,896
+HK$7,256/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,280/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,945
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$141,204
−HK$4,328/mo
Today · 4.125%
HK$145,532
baseline
▲ 0.50% · 4.625%
HK$154,388
+HK$8,856/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,064/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,350
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$156,435
−HK$4,146/mo
Today · 4.125%
HK$160,581
baseline
▲ 0.50% · 4.625%
HK$169,045
+HK$8,464/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,162/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,072
−HK$11,041/mo
▼ 0.25% · 3.875%
HK$181,549
−HK$5,564/mo
Today · 4.125%
HK$187,113
baseline
▲ 0.50% · 4.625%
HK$198,498
+HK$11,385/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$374,226/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,878
−HK$10,583/mo
▼ 0.25% · 3.875%
HK$201,131
−HK$5,330/mo
Today · 4.125%
HK$206,461
baseline
▲ 0.50% · 4.625%
HK$217,344
+HK$10,883/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$412,922/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,150 · Scale 2, in force from 26 Feb 2026)