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$97,562
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,596
−HK$3,084/mo
Today · 4.125%
HK$103,680
baseline
▲ 0.50% · 4.625%
HK$109,988
+HK$6,308/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$207,360/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,536
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,447
−HK$2,953/mo
Today · 4.125%
HK$114,400
baseline
▲ 0.50% · 4.625%
HK$120,430
+HK$6,030/mo
Deposit HK$21.39M · loan HK$21.39M · min. income ≈ HK$228,800/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$1,818,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,074
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$120,716
−HK$3,700/mo
Today · 4.125%
HK$124,416
baseline
▲ 0.50% · 4.625%
HK$131,986
+HK$7,570/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$248,832/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,244
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,737
−HK$3,543/mo
Today · 4.125%
HK$137,280
baseline
▲ 0.50% · 4.625%
HK$144,517
+HK$7,237/mo
Deposit HK$17.11M · loan HK$25.67M · min. income ≈ HK$274,560/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,818,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,586
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,835
−HK$4,316/mo
Today · 4.125%
HK$145,151
baseline
▲ 0.50% · 4.625%
HK$153,984
+HK$8,833/mo
Deposit HK$12.84M · loan HK$29.95M · min. income ≈ HK$290,302/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,951
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,026
−HK$4,134/mo
Today · 4.125%
HK$160,160
baseline
▲ 0.50% · 4.625%
HK$168,603
+HK$8,443/mo
Deposit HK$12.84M · loan HK$29.95M · min. income ≈ HK$320,320/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,818,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,611
−HK$11,012/mo
▼ 0.25% · 3.875%
HK$181,073
−HK$5,550/mo
Today · 4.125%
HK$186,623
baseline
▲ 0.50% · 4.625%
HK$197,979
+HK$11,356/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$373,246/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,365
−HK$10,555/mo
▼ 0.25% · 3.875%
HK$200,605
−HK$5,315/mo
Today · 4.125%
HK$205,920
baseline
▲ 0.50% · 4.625%
HK$216,775
+HK$10,855/mo
Deposit HK$4.28M · loan HK$38.51M · min. income ≈ HK$411,840/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,818,379 · Scale 2, in force from 26 Feb 2026)