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$97,783
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,824
−HK$3,091/mo
Today · 4.125%
HK$103,915
baseline
▲ 0.50% · 4.625%
HK$110,238
+HK$6,323/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$207,830/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,822,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,782
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,700
−HK$2,960/mo
Today · 4.125%
HK$114,660
baseline
▲ 0.50% · 4.625%
HK$120,703
+HK$6,043/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$229,320/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,822,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,339
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$120,989
−HK$3,709/mo
Today · 4.125%
HK$124,698
baseline
▲ 0.50% · 4.625%
HK$132,285
+HK$7,587/mo
Deposit HK$17.15M · loan HK$25.73M · min. income ≈ HK$249,396/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,539
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$134,040
−HK$3,551/mo
Today · 4.125%
HK$137,591
baseline
▲ 0.50% · 4.625%
HK$144,844
+HK$7,253/mo
Deposit HK$17.15M · loan HK$25.73M · min. income ≈ HK$275,182/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,896
−HK$8,585/mo
▼ 0.25% · 3.875%
HK$141,154
−HK$4,327/mo
Today · 4.125%
HK$145,481
baseline
▲ 0.50% · 4.625%
HK$154,333
+HK$8,852/mo
Deposit HK$12.86M · loan HK$30.02M · min. income ≈ HK$290,962/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,295
−HK$8,228/mo
▼ 0.25% · 3.875%
HK$156,380
−HK$4,143/mo
Today · 4.125%
HK$160,523
baseline
▲ 0.50% · 4.625%
HK$168,985
+HK$8,462/mo
Deposit HK$12.86M · loan HK$30.02M · min. income ≈ HK$321,046/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,009
−HK$11,037/mo
▼ 0.25% · 3.875%
HK$181,484
−HK$5,562/mo
Today · 4.125%
HK$187,046
baseline
▲ 0.50% · 4.625%
HK$198,428
+HK$11,382/mo
Deposit HK$4.29M · loan HK$38.59M · min. income ≈ HK$374,092/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,808
−HK$10,579/mo
▼ 0.25% · 3.875%
HK$201,060
−HK$5,327/mo
Today · 4.125%
HK$206,387
baseline
▲ 0.50% · 4.625%
HK$217,266
+HK$10,879/mo
Deposit HK$4.29M · loan HK$38.59M · min. income ≈ HK$412,774/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,502 · Scale 2, in force from 26 Feb 2026)