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$97,706
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,746
−HK$3,087/mo
Today · 4.125%
HK$103,833
baseline
▲ 0.50% · 4.625%
HK$110,151
+HK$6,318/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,666/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,697
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,613
−HK$2,957/mo
Today · 4.125%
HK$114,570
baseline
▲ 0.50% · 4.625%
HK$120,609
+HK$6,039/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,140/mo (50% DSR)
Upfront cash ≈ HK$23.25M (deposit + AVD stamp duty HK$1,821,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,248
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,895
−HK$3,705/mo
Today · 4.125%
HK$124,600
baseline
▲ 0.50% · 4.625%
HK$132,182
+HK$7,582/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$249,200/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,821,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,437
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,935
−HK$3,549/mo
Today · 4.125%
HK$137,484
baseline
▲ 0.50% · 4.625%
HK$144,731
+HK$7,247/mo
Deposit HK$17.14M · loan HK$25.71M · min. income ≈ HK$274,968/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,821,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,789
−HK$8,578/mo
▼ 0.25% · 3.875%
HK$141,044
−HK$4,323/mo
Today · 4.125%
HK$145,367
baseline
▲ 0.50% · 4.625%
HK$154,212
+HK$8,845/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$290,734/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,176
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$156,258
−HK$4,140/mo
Today · 4.125%
HK$160,398
baseline
▲ 0.50% · 4.625%
HK$168,853
+HK$8,455/mo
Deposit HK$12.85M · loan HK$29.99M · min. income ≈ HK$320,796/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,821,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,872
−HK$11,028/mo
▼ 0.25% · 3.875%
HK$181,342
−HK$5,558/mo
Today · 4.125%
HK$186,900
baseline
▲ 0.50% · 4.625%
HK$198,273
+HK$11,373/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$373,800/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,655
−HK$10,571/mo
▼ 0.25% · 3.875%
HK$200,903
−HK$5,323/mo
Today · 4.125%
HK$206,226
baseline
▲ 0.50% · 4.625%
HK$217,096
+HK$10,870/mo
Deposit HK$4.28M · loan HK$38.56M · min. income ≈ HK$412,452/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,821,077 · Scale 2, in force from 26 Feb 2026)