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$97,484
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,516
−HK$3,081/mo
Today · 4.125%
HK$103,597
baseline
▲ 0.50% · 4.625%
HK$109,900
+HK$6,303/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,194/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,450
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,358
−HK$2,951/mo
Today · 4.125%
HK$114,309
baseline
▲ 0.50% · 4.625%
HK$120,334
+HK$6,025/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,618/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,980
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,619
−HK$3,697/mo
Today · 4.125%
HK$124,316
baseline
▲ 0.50% · 4.625%
HK$131,880
+HK$7,564/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,632/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,139
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,630
−HK$3,541/mo
Today · 4.125%
HK$137,171
baseline
▲ 0.50% · 4.625%
HK$144,401
+HK$7,230/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,342/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,477
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,722
−HK$4,313/mo
Today · 4.125%
HK$145,035
baseline
▲ 0.50% · 4.625%
HK$153,860
+HK$8,825/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,070/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,829
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,901
−HK$4,131/mo
Today · 4.125%
HK$160,032
baseline
▲ 0.50% · 4.625%
HK$168,468
+HK$8,436/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,064/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,471
−HK$11,003/mo
▼ 0.25% · 3.875%
HK$180,929
−HK$5,545/mo
Today · 4.125%
HK$186,474
baseline
▲ 0.50% · 4.625%
HK$197,821
+HK$11,347/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$372,948/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,209
−HK$10,547/mo
▼ 0.25% · 3.875%
HK$200,445
−HK$5,311/mo
Today · 4.125%
HK$205,756
baseline
▲ 0.50% · 4.625%
HK$216,601
+HK$10,845/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,512/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,925 · Scale 2, in force from 26 Feb 2026)