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$97,978
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,026
−HK$3,096/mo
Today · 4.125%
HK$104,122
baseline
▲ 0.50% · 4.625%
HK$110,458
+HK$6,336/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$208,244/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,000
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,923
−HK$2,966/mo
Today · 4.125%
HK$114,889
baseline
▲ 0.50% · 4.625%
HK$120,945
+HK$6,056/mo
Deposit HK$21.48M · loan HK$21.48M · min. income ≈ HK$229,778/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,574
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,231
−HK$3,716/mo
Today · 4.125%
HK$124,947
baseline
▲ 0.50% · 4.625%
HK$132,549
+HK$7,602/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$249,894/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,800
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,308
−HK$3,558/mo
Today · 4.125%
HK$137,866
baseline
▲ 0.50% · 4.625%
HK$145,134
+HK$7,268/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$275,732/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,826,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,169
−HK$8,602/mo
▼ 0.25% · 3.875%
HK$141,436
−HK$4,335/mo
Today · 4.125%
HK$145,771
baseline
▲ 0.50% · 4.625%
HK$154,641
+HK$8,870/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$291,542/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,600
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$156,692
−HK$4,152/mo
Today · 4.125%
HK$160,844
baseline
▲ 0.50% · 4.625%
HK$169,322
+HK$8,478/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$321,688/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,361
−HK$11,059/mo
▼ 0.25% · 3.875%
HK$181,847
−HK$5,573/mo
Today · 4.125%
HK$187,420
baseline
▲ 0.50% · 4.625%
HK$198,824
+HK$11,404/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$374,840/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,200
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$201,462
−HK$5,338/mo
Today · 4.125%
HK$206,800
baseline
▲ 0.50% · 4.625%
HK$217,700
+HK$10,900/mo
Deposit HK$4.30M · loan HK$38.67M · min. income ≈ HK$413,600/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,143 · Scale 2, in force from 26 Feb 2026)