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$97,278
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,304
−HK$3,074/mo
Today · 4.125%
HK$103,378
baseline
▲ 0.50% · 4.625%
HK$109,669
+HK$6,291/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$206,756/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,813,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,221
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,123
−HK$2,945/mo
Today · 4.125%
HK$114,068
baseline
▲ 0.50% · 4.625%
HK$120,080
+HK$6,012/mo
Deposit HK$21.33M · loan HK$21.33M · min. income ≈ HK$228,136/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,813,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,734
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$120,365
−HK$3,689/mo
Today · 4.125%
HK$124,054
baseline
▲ 0.50% · 4.625%
HK$131,602
+HK$7,548/mo
Deposit HK$17.06M · loan HK$25.60M · min. income ≈ HK$248,108/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,865
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$133,348
−HK$3,533/mo
Today · 4.125%
HK$136,881
baseline
▲ 0.50% · 4.625%
HK$144,097
+HK$7,216/mo
Deposit HK$17.06M · loan HK$25.60M · min. income ≈ HK$273,762/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,813,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,189
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$140,426
−HK$4,304/mo
Today · 4.125%
HK$144,730
baseline
▲ 0.50% · 4.625%
HK$153,536
+HK$8,806/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$289,460/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,509
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$155,573
−HK$4,122/mo
Today · 4.125%
HK$159,695
baseline
▲ 0.50% · 4.625%
HK$168,113
+HK$8,418/mo
Deposit HK$12.80M · loan HK$29.86M · min. income ≈ HK$319,390/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,813,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,101
−HK$10,980/mo
▼ 0.25% · 3.875%
HK$180,547
−HK$5,534/mo
Today · 4.125%
HK$186,081
baseline
▲ 0.50% · 4.625%
HK$197,404
+HK$11,323/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$372,162/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,798
−HK$10,524/mo
▼ 0.25% · 3.875%
HK$200,022
−HK$5,300/mo
Today · 4.125%
HK$205,322
baseline
▲ 0.50% · 4.625%
HK$216,145
+HK$10,823/mo
Deposit HK$4.27M · loan HK$38.39M · min. income ≈ HK$410,644/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,813,096 · Scale 2, in force from 26 Feb 2026)