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$97,913
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,958
−HK$3,095/mo
Today · 4.125%
HK$104,053
baseline
▲ 0.50% · 4.625%
HK$110,384
+HK$6,331/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,106/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,927
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,848
−HK$2,964/mo
Today · 4.125%
HK$114,812
baseline
▲ 0.50% · 4.625%
HK$120,864
+HK$6,052/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,624/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,495
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$121,150
−HK$3,713/mo
Today · 4.125%
HK$124,863
baseline
▲ 0.50% · 4.625%
HK$132,461
+HK$7,598/mo
Deposit HK$17.18M · loan HK$25.76M · min. income ≈ HK$249,726/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,712
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$134,218
−HK$3,556/mo
Today · 4.125%
HK$137,774
baseline
▲ 0.50% · 4.625%
HK$145,036
+HK$7,262/mo
Deposit HK$17.18M · loan HK$25.76M · min. income ≈ HK$275,548/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,078
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$141,341
−HK$4,333/mo
Today · 4.125%
HK$145,674
baseline
▲ 0.50% · 4.625%
HK$154,537
+HK$8,863/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$291,348/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,497
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$156,587
−HK$4,149/mo
Today · 4.125%
HK$160,736
baseline
▲ 0.50% · 4.625%
HK$169,209
+HK$8,473/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$321,472/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,243
−HK$11,052/mo
▼ 0.25% · 3.875%
HK$181,725
−HK$5,570/mo
Today · 4.125%
HK$187,295
baseline
▲ 0.50% · 4.625%
HK$198,691
+HK$11,396/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$374,590/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,068
−HK$10,593/mo
▼ 0.25% · 3.875%
HK$201,327
−HK$5,334/mo
Today · 4.125%
HK$206,661
baseline
▲ 0.50% · 4.625%
HK$217,554
+HK$10,893/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$413,322/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,919 · Scale 2, in force from 26 Feb 2026)