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$97,923
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,968
−HK$3,095/mo
Today · 4.125%
HK$104,063
baseline
▲ 0.50% · 4.625%
HK$110,395
+HK$6,332/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,126/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,938
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,859
−HK$2,964/mo
Today · 4.125%
HK$114,823
baseline
▲ 0.50% · 4.625%
HK$120,876
+HK$6,053/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,646/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,825,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,507
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,162
−HK$3,714/mo
Today · 4.125%
HK$124,876
baseline
▲ 0.50% · 4.625%
HK$132,474
+HK$7,598/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$249,752/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,825,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,725
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,231
−HK$3,557/mo
Today · 4.125%
HK$137,788
baseline
▲ 0.50% · 4.625%
HK$145,051
+HK$7,263/mo
Deposit HK$17.18M · loan HK$25.77M · min. income ≈ HK$275,576/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,825,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,092
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$141,356
−HK$4,332/mo
Today · 4.125%
HK$145,688
baseline
▲ 0.50% · 4.625%
HK$154,553
+HK$8,865/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$291,376/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,513
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$156,603
−HK$4,150/mo
Today · 4.125%
HK$160,753
baseline
▲ 0.50% · 4.625%
HK$169,226
+HK$8,473/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$321,506/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,825,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,261
−HK$11,053/mo
▼ 0.25% · 3.875%
HK$181,743
−HK$5,571/mo
Today · 4.125%
HK$187,314
baseline
▲ 0.50% · 4.625%
HK$198,711
+HK$11,397/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$374,628/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,088
−HK$10,594/mo
▼ 0.25% · 3.875%
HK$201,347
−HK$5,335/mo
Today · 4.125%
HK$206,682
baseline
▲ 0.50% · 4.625%
HK$217,577
+HK$10,895/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$413,364/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,825,105 · Scale 2, in force from 26 Feb 2026)