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$97,471
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,503
−HK$3,081/mo
Today · 4.125%
HK$103,584
baseline
▲ 0.50% · 4.625%
HK$109,887
+HK$6,303/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$207,168/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,436
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,344
−HK$2,950/mo
Today · 4.125%
HK$114,294
baseline
▲ 0.50% · 4.625%
HK$120,319
+HK$6,025/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$228,588/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,966
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$120,604
−HK$3,697/mo
Today · 4.125%
HK$124,301
baseline
▲ 0.50% · 4.625%
HK$131,864
+HK$7,563/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,602/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,123
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,613
−HK$3,540/mo
Today · 4.125%
HK$137,153
baseline
▲ 0.50% · 4.625%
HK$144,383
+HK$7,230/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,306/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,460
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,705
−HK$4,312/mo
Today · 4.125%
HK$145,017
baseline
▲ 0.50% · 4.625%
HK$153,841
+HK$8,824/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$290,034/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,810
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,882
−HK$4,130/mo
Today · 4.125%
HK$160,012
baseline
▲ 0.50% · 4.625%
HK$168,447
+HK$8,435/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$320,024/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,449
−HK$11,002/mo
▼ 0.25% · 3.875%
HK$180,906
−HK$5,545/mo
Today · 4.125%
HK$186,451
baseline
▲ 0.50% · 4.625%
HK$197,796
+HK$11,345/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$372,902/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,185
−HK$10,545/mo
▼ 0.25% · 3.875%
HK$200,420
−HK$5,310/mo
Today · 4.125%
HK$205,730
baseline
▲ 0.50% · 4.625%
HK$216,574
+HK$10,844/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$411,460/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,698 · Scale 2, in force from 26 Feb 2026)