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$97,874
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,919
−HK$3,093/mo
Today · 4.125%
HK$104,012
baseline
▲ 0.50% · 4.625%
HK$110,341
+HK$6,329/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$208,024/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,884
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,805
−HK$2,962/mo
Today · 4.125%
HK$114,767
baseline
▲ 0.50% · 4.625%
HK$120,817
+HK$6,050/mo
Deposit HK$21.46M · loan HK$21.46M · min. income ≈ HK$229,534/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$1,824,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,449
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,103
−HK$3,711/mo
Today · 4.125%
HK$124,814
baseline
▲ 0.50% · 4.625%
HK$132,409
+HK$7,595/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$249,628/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,824,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,661
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,165
−HK$3,555/mo
Today · 4.125%
HK$137,720
baseline
▲ 0.50% · 4.625%
HK$144,980
+HK$7,260/mo
Deposit HK$17.17M · loan HK$25.75M · min. income ≈ HK$275,440/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$1,824,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,024
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$141,286
−HK$4,331/mo
Today · 4.125%
HK$145,617
baseline
▲ 0.50% · 4.625%
HK$154,477
+HK$8,860/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$291,234/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,438
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$156,526
−HK$4,148/mo
Today · 4.125%
HK$160,674
baseline
▲ 0.50% · 4.625%
HK$169,143
+HK$8,469/mo
Deposit HK$12.88M · loan HK$30.05M · min. income ≈ HK$321,348/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,824,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,174
−HK$11,048/mo
▼ 0.25% · 3.875%
HK$181,654
−HK$5,568/mo
Today · 4.125%
HK$187,222
baseline
▲ 0.50% · 4.625%
HK$198,614
+HK$11,392/mo
Deposit HK$4.29M · loan HK$38.63M · min. income ≈ HK$374,444/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,992
−HK$10,589/mo
▼ 0.25% · 3.875%
HK$201,248
−HK$5,333/mo
Today · 4.125%
HK$206,581
baseline
▲ 0.50% · 4.625%
HK$217,470
+HK$10,889/mo
Deposit HK$4.29M · loan HK$38.63M · min. income ≈ HK$413,162/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,824,209 · Scale 2, in force from 26 Feb 2026)