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$97,640
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,677
−HK$3,085/mo
Today · 4.125%
HK$103,762
baseline
▲ 0.50% · 4.625%
HK$110,076
+HK$6,314/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$207,524/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,623
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,536
−HK$2,956/mo
Today · 4.125%
HK$114,492
baseline
▲ 0.50% · 4.625%
HK$120,527
+HK$6,035/mo
Deposit HK$21.41M · loan HK$21.41M · min. income ≈ HK$228,984/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$1,819,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,168
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,812
−HK$3,703/mo
Today · 4.125%
HK$124,515
baseline
▲ 0.50% · 4.625%
HK$132,091
+HK$7,576/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$249,030/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,348
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,844
−HK$3,546/mo
Today · 4.125%
HK$137,390
baseline
▲ 0.50% · 4.625%
HK$144,632
+HK$7,242/mo
Deposit HK$17.13M · loan HK$25.69M · min. income ≈ HK$274,780/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,819,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,695
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$140,947
−HK$4,320/mo
Today · 4.125%
HK$145,267
baseline
▲ 0.50% · 4.625%
HK$154,107
+HK$8,840/mo
Deposit HK$12.85M · loan HK$29.97M · min. income ≈ HK$290,534/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,819,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,072
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$156,151
−HK$4,137/mo
Today · 4.125%
HK$160,288
baseline
▲ 0.50% · 4.625%
HK$168,737
+HK$8,449/mo
Deposit HK$12.85M · loan HK$29.97M · min. income ≈ HK$320,576/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,819,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,751
−HK$11,021/mo
▼ 0.25% · 3.875%
HK$181,218
−HK$5,554/mo
Today · 4.125%
HK$186,772
baseline
▲ 0.50% · 4.625%
HK$198,137
+HK$11,365/mo
Deposit HK$4.28M · loan HK$38.54M · min. income ≈ HK$373,544/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,522
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$200,765
−HK$5,320/mo
Today · 4.125%
HK$206,085
baseline
▲ 0.50% · 4.625%
HK$216,948
+HK$10,863/mo
Deposit HK$4.28M · loan HK$38.54M · min. income ≈ HK$412,170/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,819,833 · Scale 2, in force from 26 Feb 2026)