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$97,492
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,524
−HK$3,082/mo
Today · 4.125%
HK$103,606
baseline
▲ 0.50% · 4.625%
HK$109,910
+HK$6,304/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,212/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,459
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,368
−HK$2,950/mo
Today · 4.125%
HK$114,318
baseline
▲ 0.50% · 4.625%
HK$120,344
+HK$6,026/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,636/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,990
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$120,629
−HK$3,698/mo
Today · 4.125%
HK$124,327
baseline
▲ 0.50% · 4.625%
HK$131,892
+HK$7,565/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,654/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,151
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,641
−HK$3,541/mo
Today · 4.125%
HK$137,182
baseline
▲ 0.50% · 4.625%
HK$144,413
+HK$7,231/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,364/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,489
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$140,734
−HK$4,314/mo
Today · 4.125%
HK$145,048
baseline
▲ 0.50% · 4.625%
HK$153,874
+HK$8,826/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,096/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,842
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,915
−HK$4,131/mo
Today · 4.125%
HK$160,046
baseline
▲ 0.50% · 4.625%
HK$168,482
+HK$8,436/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,092/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,485
−HK$11,005/mo
▼ 0.25% · 3.875%
HK$180,944
−HK$5,546/mo
Today · 4.125%
HK$186,490
baseline
▲ 0.50% · 4.625%
HK$197,837
+HK$11,347/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$372,980/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,226
−HK$10,547/mo
▼ 0.25% · 3.875%
HK$200,462
−HK$5,311/mo
Today · 4.125%
HK$205,773
baseline
▲ 0.50% · 4.625%
HK$216,620
+HK$10,847/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,546/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,080 · Scale 2, in force from 26 Feb 2026)