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$97,683
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,721
−HK$3,087/mo
Today · 4.125%
HK$103,808
baseline
▲ 0.50% · 4.625%
HK$110,125
+HK$6,317/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,616/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,671
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,585
−HK$2,957/mo
Today · 4.125%
HK$114,542
baseline
▲ 0.50% · 4.625%
HK$120,580
+HK$6,038/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,084/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,219
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,865
−HK$3,705/mo
Today · 4.125%
HK$124,570
baseline
▲ 0.50% · 4.625%
HK$132,150
+HK$7,580/mo
Deposit HK$17.14M · loan HK$25.70M · min. income ≈ HK$249,140/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,405
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,903
−HK$3,548/mo
Today · 4.125%
HK$137,451
baseline
▲ 0.50% · 4.625%
HK$144,696
+HK$7,245/mo
Deposit HK$17.14M · loan HK$25.70M · min. income ≈ HK$274,902/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,820,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,756
−HK$8,575/mo
▼ 0.25% · 3.875%
HK$141,010
−HK$4,321/mo
Today · 4.125%
HK$145,331
baseline
▲ 0.50% · 4.625%
HK$154,175
+HK$8,844/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,662/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,139
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$156,220
−HK$4,139/mo
Today · 4.125%
HK$160,359
baseline
▲ 0.50% · 4.625%
HK$168,812
+HK$8,453/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,718/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,829
−HK$11,026/mo
▼ 0.25% · 3.875%
HK$181,298
−HK$5,557/mo
Today · 4.125%
HK$186,855
baseline
▲ 0.50% · 4.625%
HK$198,224
+HK$11,369/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$373,710/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,608
−HK$10,568/mo
▼ 0.25% · 3.875%
HK$200,854
−HK$5,322/mo
Today · 4.125%
HK$206,176
baseline
▲ 0.50% · 4.625%
HK$217,044
+HK$10,868/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$412,352/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,634 · Scale 2, in force from 26 Feb 2026)