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$97,586
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,621
−HK$3,084/mo
Today · 4.125%
HK$103,705
baseline
▲ 0.50% · 4.625%
HK$110,015
+HK$6,310/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$207,410/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,563
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,475
−HK$2,953/mo
Today · 4.125%
HK$114,428
baseline
▲ 0.50% · 4.625%
HK$120,460
+HK$6,032/mo
Deposit HK$21.40M · loan HK$21.40M · min. income ≈ HK$228,856/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$1,818,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,103
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,745
−HK$3,701/mo
Today · 4.125%
HK$124,446
baseline
▲ 0.50% · 4.625%
HK$132,018
+HK$7,572/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$248,892/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,276
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$133,770
−HK$3,544/mo
Today · 4.125%
HK$137,314
baseline
▲ 0.50% · 4.625%
HK$144,552
+HK$7,238/mo
Deposit HK$17.12M · loan HK$25.68M · min. income ≈ HK$274,628/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,818,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,620
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$140,870
−HK$4,317/mo
Today · 4.125%
HK$145,187
baseline
▲ 0.50% · 4.625%
HK$154,022
+HK$8,835/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$290,374/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,988
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$156,065
−HK$4,135/mo
Today · 4.125%
HK$160,200
baseline
▲ 0.50% · 4.625%
HK$168,644
+HK$8,444/mo
Deposit HK$12.84M · loan HK$29.96M · min. income ≈ HK$320,400/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,818,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,654
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$181,118
−HK$5,551/mo
Today · 4.125%
HK$186,669
baseline
▲ 0.50% · 4.625%
HK$198,028
+HK$11,359/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$373,338/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,414
−HK$10,557/mo
▼ 0.25% · 3.875%
HK$200,654
−HK$5,317/mo
Today · 4.125%
HK$205,971
baseline
▲ 0.50% · 4.625%
HK$216,828
+HK$10,857/mo
Deposit HK$4.28M · loan HK$38.52M · min. income ≈ HK$411,942/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,827 · Scale 2, in force from 26 Feb 2026)