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$97,494
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,526
−HK$3,081/mo
Today · 4.125%
HK$103,607
baseline
▲ 0.50% · 4.625%
HK$109,912
+HK$6,305/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,214/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,461
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,370
−HK$2,951/mo
Today · 4.125%
HK$114,321
baseline
▲ 0.50% · 4.625%
HK$120,347
+HK$6,026/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,642/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,993
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,632
−HK$3,697/mo
Today · 4.125%
HK$124,329
baseline
▲ 0.50% · 4.625%
HK$131,894
+HK$7,565/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,658/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,153
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,644
−HK$3,541/mo
Today · 4.125%
HK$137,185
baseline
▲ 0.50% · 4.625%
HK$144,416
+HK$7,231/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,370/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,491
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$140,737
−HK$4,313/mo
Today · 4.125%
HK$145,050
baseline
▲ 0.50% · 4.625%
HK$153,876
+HK$8,826/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,100/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,845
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,918
−HK$4,131/mo
Today · 4.125%
HK$160,049
baseline
▲ 0.50% · 4.625%
HK$168,485
+HK$8,436/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,098/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,489
−HK$11,004/mo
▼ 0.25% · 3.875%
HK$180,948
−HK$5,545/mo
Today · 4.125%
HK$186,493
baseline
▲ 0.50% · 4.625%
HK$197,841
+HK$11,348/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$372,986/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,230
−HK$10,547/mo
▼ 0.25% · 3.875%
HK$200,465
−HK$5,312/mo
Today · 4.125%
HK$205,777
baseline
▲ 0.50% · 4.625%
HK$216,624
+HK$10,847/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,554/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,114 · Scale 2, in force from 26 Feb 2026)