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$97,914
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,960
−HK$3,094/mo
Today · 4.125%
HK$104,054
baseline
▲ 0.50% · 4.625%
HK$110,386
+HK$6,332/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$208,108/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,928
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,850
−HK$2,964/mo
Today · 4.125%
HK$114,814
baseline
▲ 0.50% · 4.625%
HK$120,866
+HK$6,052/mo
Deposit HK$21.47M · loan HK$21.47M · min. income ≈ HK$229,628/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,497
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$121,152
−HK$3,713/mo
Today · 4.125%
HK$124,865
baseline
▲ 0.50% · 4.625%
HK$132,463
+HK$7,598/mo
Deposit HK$17.18M · loan HK$25.76M · min. income ≈ HK$249,730/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,714
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$134,220
−HK$3,556/mo
Today · 4.125%
HK$137,776
baseline
▲ 0.50% · 4.625%
HK$145,039
+HK$7,263/mo
Deposit HK$17.18M · loan HK$25.76M · min. income ≈ HK$275,552/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,824,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,080
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$141,344
−HK$4,332/mo
Today · 4.125%
HK$145,676
baseline
▲ 0.50% · 4.625%
HK$154,540
+HK$8,864/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$291,352/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,500
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$156,590
−HK$4,149/mo
Today · 4.125%
HK$160,739
baseline
▲ 0.50% · 4.625%
HK$169,212
+HK$8,473/mo
Deposit HK$12.88M · loan HK$30.06M · min. income ≈ HK$321,478/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,824,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,245
−HK$11,053/mo
▼ 0.25% · 3.875%
HK$181,728
−HK$5,570/mo
Today · 4.125%
HK$187,298
baseline
▲ 0.50% · 4.625%
HK$198,694
+HK$11,396/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$374,596/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,071
−HK$10,593/mo
▼ 0.25% · 3.875%
HK$201,330
−HK$5,334/mo
Today · 4.125%
HK$206,664
baseline
▲ 0.50% · 4.625%
HK$217,558
+HK$10,894/mo
Deposit HK$4.29M · loan HK$38.65M · min. income ≈ HK$413,328/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,949 · Scale 2, in force from 26 Feb 2026)