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$97,857
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,901
−HK$3,093/mo
Today · 4.125%
HK$103,994
baseline
▲ 0.50% · 4.625%
HK$110,322
+HK$6,328/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$207,988/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,865
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,785
−HK$2,962/mo
Today · 4.125%
HK$114,747
baseline
▲ 0.50% · 4.625%
HK$120,795
+HK$6,048/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$229,494/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$1,823,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,429
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,082
−HK$3,711/mo
Today · 4.125%
HK$124,793
baseline
▲ 0.50% · 4.625%
HK$132,386
+HK$7,593/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$249,586/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,638
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,142
−HK$3,554/mo
Today · 4.125%
HK$137,696
baseline
▲ 0.50% · 4.625%
HK$144,955
+HK$7,259/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$275,392/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,823,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,000
−HK$8,591/mo
▼ 0.25% · 3.875%
HK$141,262
−HK$4,329/mo
Today · 4.125%
HK$145,591
baseline
▲ 0.50% · 4.625%
HK$154,450
+HK$8,859/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$291,182/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,411
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$156,499
−HK$4,147/mo
Today · 4.125%
HK$160,646
baseline
▲ 0.50% · 4.625%
HK$169,114
+HK$8,468/mo
Deposit HK$12.87M · loan HK$30.04M · min. income ≈ HK$321,292/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,823,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,143
−HK$11,046/mo
▼ 0.25% · 3.875%
HK$181,622
−HK$5,567/mo
Today · 4.125%
HK$187,189
baseline
▲ 0.50% · 4.625%
HK$198,579
+HK$11,390/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$374,378/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,823,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,958
−HK$10,587/mo
▼ 0.25% · 3.875%
HK$201,213
−HK$5,332/mo
Today · 4.125%
HK$206,545
baseline
▲ 0.50% · 4.625%
HK$217,432
+HK$10,887/mo
Deposit HK$4.29M · loan HK$38.62M · min. income ≈ HK$413,090/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,823,891 · Scale 2, in force from 26 Feb 2026)