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$97,823
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,866
−HK$3,091/mo
Today · 4.125%
HK$103,957
baseline
▲ 0.50% · 4.625%
HK$110,283
+HK$6,326/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,914/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,827
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,746
−HK$2,961/mo
Today · 4.125%
HK$114,707
baseline
▲ 0.50% · 4.625%
HK$120,753
+HK$6,046/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,414/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,388
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$121,039
−HK$3,710/mo
Today · 4.125%
HK$124,749
baseline
▲ 0.50% · 4.625%
HK$132,339
+HK$7,590/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,498/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,593
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$134,095
−HK$3,553/mo
Today · 4.125%
HK$137,648
baseline
▲ 0.50% · 4.625%
HK$144,904
+HK$7,256/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,296/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,952
−HK$8,588/mo
▼ 0.25% · 3.875%
HK$141,212
−HK$4,328/mo
Today · 4.125%
HK$145,540
baseline
▲ 0.50% · 4.625%
HK$154,396
+HK$8,856/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,080/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,358
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$156,444
−HK$4,145/mo
Today · 4.125%
HK$160,589
baseline
▲ 0.50% · 4.625%
HK$169,054
+HK$8,465/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,178/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,081
−HK$11,042/mo
▼ 0.25% · 3.875%
HK$181,559
−HK$5,564/mo
Today · 4.125%
HK$187,123
baseline
▲ 0.50% · 4.625%
HK$198,509
+HK$11,386/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$374,246/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,889
−HK$10,583/mo
▼ 0.25% · 3.875%
HK$201,142
−HK$5,330/mo
Today · 4.125%
HK$206,472
baseline
▲ 0.50% · 4.625%
HK$217,355
+HK$10,883/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$412,944/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,250 · Scale 2, in force from 26 Feb 2026)