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$97,802
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,844
−HK$3,091/mo
Today · 4.125%
HK$103,935
baseline
▲ 0.50% · 4.625%
HK$110,259
+HK$6,324/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,870/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,804
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,722
−HK$2,960/mo
Today · 4.125%
HK$114,682
baseline
▲ 0.50% · 4.625%
HK$120,727
+HK$6,045/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,364/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,362
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,013
−HK$3,709/mo
Today · 4.125%
HK$124,722
baseline
▲ 0.50% · 4.625%
HK$132,311
+HK$7,589/mo
Deposit HK$17.16M · loan HK$25.73M · min. income ≈ HK$249,444/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,564
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,066
−HK$3,552/mo
Today · 4.125%
HK$137,618
baseline
▲ 0.50% · 4.625%
HK$144,872
+HK$7,254/mo
Deposit HK$17.16M · loan HK$25.73M · min. income ≈ HK$275,236/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,923
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$141,182
−HK$4,327/mo
Today · 4.125%
HK$145,509
baseline
▲ 0.50% · 4.625%
HK$154,363
+HK$8,854/mo
Deposit HK$12.87M · loan HK$30.02M · min. income ≈ HK$291,018/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,325
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$156,410
−HK$4,145/mo
Today · 4.125%
HK$160,555
baseline
▲ 0.50% · 4.625%
HK$169,018
+HK$8,463/mo
Deposit HK$12.87M · loan HK$30.02M · min. income ≈ HK$321,110/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,043
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$181,519
−HK$5,564/mo
Today · 4.125%
HK$187,083
baseline
▲ 0.50% · 4.625%
HK$198,466
+HK$11,383/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$374,166/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,846
−HK$10,581/mo
▼ 0.25% · 3.875%
HK$201,099
−HK$5,328/mo
Today · 4.125%
HK$206,427
baseline
▲ 0.50% · 4.625%
HK$217,308
+HK$10,881/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$412,854/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,855 · Scale 2, in force from 26 Feb 2026)