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$97,583
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,618
−HK$3,084/mo
Today · 4.125%
HK$103,702
baseline
▲ 0.50% · 4.625%
HK$110,012
+HK$6,310/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,404/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,560
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,472
−HK$2,953/mo
Today · 4.125%
HK$114,425
baseline
▲ 0.50% · 4.625%
HK$120,457
+HK$6,032/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,850/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,100
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,742
−HK$3,701/mo
Today · 4.125%
HK$124,443
baseline
▲ 0.50% · 4.625%
HK$132,015
+HK$7,572/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,886/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,272
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$133,766
−HK$3,544/mo
Today · 4.125%
HK$137,310
baseline
▲ 0.50% · 4.625%
HK$144,548
+HK$7,238/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,620/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,616
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,866
−HK$4,317/mo
Today · 4.125%
HK$145,183
baseline
▲ 0.50% · 4.625%
HK$154,017
+HK$8,834/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,366/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,984
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$156,060
−HK$4,135/mo
Today · 4.125%
HK$160,195
baseline
▲ 0.50% · 4.625%
HK$168,640
+HK$8,445/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,390/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,649
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$181,113
−HK$5,551/mo
Today · 4.125%
HK$186,664
baseline
▲ 0.50% · 4.625%
HK$198,022
+HK$11,358/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,328/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,408
−HK$10,558/mo
▼ 0.25% · 3.875%
HK$200,649
−HK$5,317/mo
Today · 4.125%
HK$205,966
baseline
▲ 0.50% · 4.625%
HK$216,822
+HK$10,856/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$411,932/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,778 · Scale 2, in force from 26 Feb 2026)