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$97,497
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,530
−HK$3,081/mo
Today · 4.125%
HK$103,611
baseline
▲ 0.50% · 4.625%
HK$109,916
+HK$6,305/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,222/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,465
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,374
−HK$2,951/mo
Today · 4.125%
HK$114,325
baseline
▲ 0.50% · 4.625%
HK$120,351
+HK$6,026/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,650/mo (50% DSR)
Upfront cash ≈ HK$23.20M (deposit + AVD stamp duty HK$1,817,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,997
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,636
−HK$3,697/mo
Today · 4.125%
HK$124,333
baseline
▲ 0.50% · 4.625%
HK$131,899
+HK$7,566/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,666/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,158
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,648
−HK$3,542/mo
Today · 4.125%
HK$137,190
baseline
▲ 0.50% · 4.625%
HK$144,421
+HK$7,231/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,380/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,496
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$140,742
−HK$4,314/mo
Today · 4.125%
HK$145,056
baseline
▲ 0.50% · 4.625%
HK$153,882
+HK$8,826/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,112/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,851
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,923
−HK$4,132/mo
Today · 4.125%
HK$160,055
baseline
▲ 0.50% · 4.625%
HK$168,491
+HK$8,436/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,110/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,495
−HK$11,005/mo
▼ 0.25% · 3.875%
HK$180,954
−HK$5,546/mo
Today · 4.125%
HK$186,500
baseline
▲ 0.50% · 4.625%
HK$197,848
+HK$11,348/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$373,000/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,237
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$200,473
−HK$5,312/mo
Today · 4.125%
HK$205,785
baseline
▲ 0.50% · 4.625%
HK$216,632
+HK$10,847/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,570/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,179 · Scale 2, in force from 26 Feb 2026)