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$97,899
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,944
−HK$3,094/mo
Today · 4.125%
HK$104,038
baseline
▲ 0.50% · 4.625%
HK$110,369
+HK$6,331/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,076/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,912
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,833
−HK$2,963/mo
Today · 4.125%
HK$114,796
baseline
▲ 0.50% · 4.625%
HK$120,847
+HK$6,051/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,592/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,479
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,133
−HK$3,713/mo
Today · 4.125%
HK$124,846
baseline
▲ 0.50% · 4.625%
HK$132,442
+HK$7,596/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$249,692/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,694
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$134,199
−HK$3,556/mo
Today · 4.125%
HK$137,755
baseline
▲ 0.50% · 4.625%
HK$145,016
+HK$7,261/mo
Deposit HK$17.17M · loan HK$25.76M · min. income ≈ HK$275,510/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,059
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$141,322
−HK$4,331/mo
Today · 4.125%
HK$145,653
baseline
▲ 0.50% · 4.625%
HK$154,516
+HK$8,863/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$291,306/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,476
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$156,566
−HK$4,148/mo
Today · 4.125%
HK$160,714
baseline
▲ 0.50% · 4.625%
HK$169,186
+HK$8,472/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$321,428/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,218
−HK$11,051/mo
▼ 0.25% · 3.875%
HK$181,700
−HK$5,569/mo
Today · 4.125%
HK$187,269
baseline
▲ 0.50% · 4.625%
HK$198,663
+HK$11,394/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$374,538/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,041
−HK$10,591/mo
▼ 0.25% · 3.875%
HK$201,299
−HK$5,333/mo
Today · 4.125%
HK$206,632
baseline
▲ 0.50% · 4.625%
HK$217,524
+HK$10,892/mo
Deposit HK$4.29M · loan HK$38.64M · min. income ≈ HK$413,264/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,667 · Scale 2, in force from 26 Feb 2026)