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$97,844
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,888
−HK$3,092/mo
Today · 4.125%
HK$103,980
baseline
▲ 0.50% · 4.625%
HK$110,307
+HK$6,327/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,960/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,851
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,770
−HK$2,962/mo
Today · 4.125%
HK$114,732
baseline
▲ 0.50% · 4.625%
HK$120,780
+HK$6,048/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,464/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,413
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,066
−HK$3,710/mo
Today · 4.125%
HK$124,776
baseline
▲ 0.50% · 4.625%
HK$132,369
+HK$7,593/mo
Deposit HK$17.16M · loan HK$25.75M · min. income ≈ HK$249,552/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,621
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,124
−HK$3,554/mo
Today · 4.125%
HK$137,678
baseline
▲ 0.50% · 4.625%
HK$144,935
+HK$7,257/mo
Deposit HK$17.16M · loan HK$25.75M · min. income ≈ HK$275,356/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,982
−HK$8,590/mo
▼ 0.25% · 3.875%
HK$141,243
−HK$4,329/mo
Today · 4.125%
HK$145,572
baseline
▲ 0.50% · 4.625%
HK$154,430
+HK$8,858/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$291,144/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,391
−HK$8,234/mo
▼ 0.25% · 3.875%
HK$156,478
−HK$4,147/mo
Today · 4.125%
HK$160,625
baseline
▲ 0.50% · 4.625%
HK$169,091
+HK$8,466/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$321,250/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,120
−HK$11,044/mo
▼ 0.25% · 3.875%
HK$181,598
−HK$5,566/mo
Today · 4.125%
HK$187,164
baseline
▲ 0.50% · 4.625%
HK$198,553
+HK$11,389/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$374,328/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,932
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$201,187
−HK$5,330/mo
Today · 4.125%
HK$206,517
baseline
▲ 0.50% · 4.625%
HK$217,403
+HK$10,886/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$413,034/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,650 · Scale 2, in force from 26 Feb 2026)