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$97,838
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,882
−HK$3,092/mo
Today · 4.125%
HK$103,974
baseline
▲ 0.50% · 4.625%
HK$110,300
+HK$6,326/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,948/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,844
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,763
−HK$2,962/mo
Today · 4.125%
HK$114,725
baseline
▲ 0.50% · 4.625%
HK$120,772
+HK$6,047/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,450/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,406
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,058
−HK$3,710/mo
Today · 4.125%
HK$124,768
baseline
▲ 0.50% · 4.625%
HK$132,360
+HK$7,592/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,536/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,613
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,116
−HK$3,554/mo
Today · 4.125%
HK$137,670
baseline
▲ 0.50% · 4.625%
HK$144,926
+HK$7,256/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,340/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,974
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$141,234
−HK$4,329/mo
Today · 4.125%
HK$145,563
baseline
▲ 0.50% · 4.625%
HK$154,420
+HK$8,857/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,126/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,382
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$156,469
−HK$4,145/mo
Today · 4.125%
HK$160,614
baseline
▲ 0.50% · 4.625%
HK$169,081
+HK$8,467/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,228/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,109
−HK$11,044/mo
▼ 0.25% · 3.875%
HK$181,587
−HK$5,566/mo
Today · 4.125%
HK$187,153
baseline
▲ 0.50% · 4.625%
HK$198,540
+HK$11,387/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$374,306/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,919
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$201,174
−HK$5,330/mo
Today · 4.125%
HK$206,504
baseline
▲ 0.50% · 4.625%
HK$217,389
+HK$10,885/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$413,008/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,536 · Scale 2, in force from 26 Feb 2026)