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$97,916
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,962
−HK$3,094/mo
Today · 4.125%
HK$104,056
baseline
▲ 0.50% · 4.625%
HK$110,388
+HK$6,332/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,112/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,824,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,930
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,852
−HK$2,964/mo
Today · 4.125%
HK$114,816
baseline
▲ 0.50% · 4.625%
HK$120,868
+HK$6,052/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,632/mo (50% DSR)
Upfront cash ≈ HK$23.30M (deposit + AVD stamp duty HK$1,824,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,499
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$121,154
−HK$3,713/mo
Today · 4.125%
HK$124,867
baseline
▲ 0.50% · 4.625%
HK$132,465
+HK$7,598/mo
Deposit HK$17.18M · loan HK$25.76M · min. income ≈ HK$249,734/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,717
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$134,222
−HK$3,557/mo
Today · 4.125%
HK$137,779
baseline
▲ 0.50% · 4.625%
HK$145,041
+HK$7,262/mo
Deposit HK$17.18M · loan HK$25.76M · min. income ≈ HK$275,558/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,082
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$141,346
−HK$4,332/mo
Today · 4.125%
HK$145,678
baseline
▲ 0.50% · 4.625%
HK$154,543
+HK$8,865/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$291,356/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,503
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$156,593
−HK$4,149/mo
Today · 4.125%
HK$160,742
baseline
▲ 0.50% · 4.625%
HK$169,215
+HK$8,473/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$321,484/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,249
−HK$11,052/mo
▼ 0.25% · 3.875%
HK$181,731
−HK$5,570/mo
Today · 4.125%
HK$187,301
baseline
▲ 0.50% · 4.625%
HK$198,698
+HK$11,397/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$374,602/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,075
−HK$10,593/mo
▼ 0.25% · 3.875%
HK$201,333
−HK$5,335/mo
Today · 4.125%
HK$206,668
baseline
▲ 0.50% · 4.625%
HK$217,562
+HK$10,894/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$413,336/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,982 · Scale 2, in force from 26 Feb 2026)