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$97,467
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,498
−HK$3,081/mo
Today · 4.125%
HK$103,579
baseline
▲ 0.50% · 4.625%
HK$109,881
+HK$6,302/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$207,158/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,431
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,339
−HK$2,950/mo
Today · 4.125%
HK$114,289
baseline
▲ 0.50% · 4.625%
HK$120,313
+HK$6,024/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$228,578/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,960
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,598
−HK$3,696/mo
Today · 4.125%
HK$124,294
baseline
▲ 0.50% · 4.625%
HK$131,857
+HK$7,563/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,588/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,117
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$133,606
−HK$3,540/mo
Today · 4.125%
HK$137,146
baseline
▲ 0.50% · 4.625%
HK$144,376
+HK$7,230/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,292/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,453
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,698
−HK$4,312/mo
Today · 4.125%
HK$145,010
baseline
▲ 0.50% · 4.625%
HK$153,833
+HK$8,823/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$290,020/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,803
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,874
−HK$4,130/mo
Today · 4.125%
HK$160,004
baseline
▲ 0.50% · 4.625%
HK$168,438
+HK$8,434/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$320,008/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,440
−HK$11,001/mo
▼ 0.25% · 3.875%
HK$180,897
−HK$5,544/mo
Today · 4.125%
HK$186,441
baseline
▲ 0.50% · 4.625%
HK$197,786
+HK$11,345/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$372,882/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,175
−HK$10,545/mo
▼ 0.25% · 3.875%
HK$200,409
−HK$5,311/mo
Today · 4.125%
HK$205,720
baseline
▲ 0.50% · 4.625%
HK$216,563
+HK$10,843/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$411,440/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,607 · Scale 2, in force from 26 Feb 2026)