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$97,762
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,803
−HK$3,089/mo
Today · 4.125%
HK$103,892
baseline
▲ 0.50% · 4.625%
HK$110,214
+HK$6,322/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$207,784/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,822,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,759
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,676
−HK$2,959/mo
Today · 4.125%
HK$114,635
baseline
▲ 0.50% · 4.625%
HK$120,677
+HK$6,042/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$229,270/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,822,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,314
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$120,963
−HK$3,708/mo
Today · 4.125%
HK$124,671
baseline
▲ 0.50% · 4.625%
HK$132,256
+HK$7,585/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$249,342/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,822,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,511
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$134,011
−HK$3,551/mo
Today · 4.125%
HK$137,562
baseline
▲ 0.50% · 4.625%
HK$144,813
+HK$7,251/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$275,124/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,822,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,866
−HK$8,583/mo
▼ 0.25% · 3.875%
HK$141,124
−HK$4,325/mo
Today · 4.125%
HK$145,449
baseline
▲ 0.50% · 4.625%
HK$154,299
+HK$8,850/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$290,898/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,822,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,262
−HK$8,227/mo
▼ 0.25% · 3.875%
HK$156,346
−HK$4,143/mo
Today · 4.125%
HK$160,489
baseline
▲ 0.50% · 4.625%
HK$168,948
+HK$8,459/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$320,978/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,822,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,971
−HK$11,035/mo
▼ 0.25% · 3.875%
HK$181,445
−HK$5,561/mo
Today · 4.125%
HK$187,006
baseline
▲ 0.50% · 4.625%
HK$198,385
+HK$11,379/mo
Deposit HK$4.29M · loan HK$38.59M · min. income ≈ HK$374,012/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,766
−HK$10,576/mo
▼ 0.25% · 3.875%
HK$201,016
−HK$5,326/mo
Today · 4.125%
HK$206,342
baseline
▲ 0.50% · 4.625%
HK$217,219
+HK$10,877/mo
Deposit HK$4.29M · loan HK$38.59M · min. income ≈ HK$412,684/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,106 · Scale 2, in force from 26 Feb 2026)