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$97,475
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,507
−HK$3,081/mo
Today · 4.125%
HK$103,588
baseline
▲ 0.50% · 4.625%
HK$109,891
+HK$6,303/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$207,176/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,440
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,349
−HK$2,950/mo
Today · 4.125%
HK$114,299
baseline
▲ 0.50% · 4.625%
HK$120,324
+HK$6,025/mo
Deposit HK$21.37M · loan HK$21.37M · min. income ≈ HK$228,598/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,816,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,971
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$120,609
−HK$3,697/mo
Today · 4.125%
HK$124,306
baseline
▲ 0.50% · 4.625%
HK$131,869
+HK$7,563/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,612/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,129
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,619
−HK$3,540/mo
Today · 4.125%
HK$137,159
baseline
▲ 0.50% · 4.625%
HK$144,389
+HK$7,230/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,318/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,816,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,466
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,710
−HK$4,313/mo
Today · 4.125%
HK$145,023
baseline
▲ 0.50% · 4.625%
HK$153,848
+HK$8,825/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$290,046/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,817
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,888
−HK$4,131/mo
Today · 4.125%
HK$160,019
baseline
▲ 0.50% · 4.625%
HK$168,454
+HK$8,435/mo
Deposit HK$12.82M · loan HK$29.92M · min. income ≈ HK$320,038/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,816,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,456
−HK$11,002/mo
▼ 0.25% · 3.875%
HK$180,913
−HK$5,545/mo
Today · 4.125%
HK$186,458
baseline
▲ 0.50% · 4.625%
HK$197,804
+HK$11,346/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$372,916/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,193
−HK$10,545/mo
▼ 0.25% · 3.875%
HK$200,428
−HK$5,310/mo
Today · 4.125%
HK$205,738
baseline
▲ 0.50% · 4.625%
HK$216,583
+HK$10,845/mo
Deposit HK$4.27M · loan HK$38.47M · min. income ≈ HK$411,476/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,816,772 · Scale 2, in force from 26 Feb 2026)