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$98,279
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,336
−HK$3,106/mo
Today · 4.125%
HK$104,442
baseline
▲ 0.50% · 4.625%
HK$110,797
+HK$6,355/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,884/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,334
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,267
−HK$2,974/mo
Today · 4.125%
HK$115,241
baseline
▲ 0.50% · 4.625%
HK$121,316
+HK$6,075/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,482/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,935
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,603
−HK$3,727/mo
Today · 4.125%
HK$125,330
baseline
▲ 0.50% · 4.625%
HK$132,956
+HK$7,626/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,660/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,201
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,720
−HK$3,569/mo
Today · 4.125%
HK$138,289
baseline
▲ 0.50% · 4.625%
HK$145,579
+HK$7,290/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,578/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,590
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,870
−HK$4,349/mo
Today · 4.125%
HK$146,219
baseline
▲ 0.50% · 4.625%
HK$155,116
+HK$8,897/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,438/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,068
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,173
−HK$4,165/mo
Today · 4.125%
HK$161,338
baseline
▲ 0.50% · 4.625%
HK$169,842
+HK$8,504/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,676/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,902
−HK$11,093/mo
▼ 0.25% · 3.875%
HK$182,405
−HK$5,590/mo
Today · 4.125%
HK$187,995
baseline
▲ 0.50% · 4.625%
HK$199,434
+HK$11,439/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$375,990/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,802
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$202,080
−HK$5,354/mo
Today · 4.125%
HK$207,434
baseline
▲ 0.50% · 4.625%
HK$218,368
+HK$10,934/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,868/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,747 · Scale 2, in force from 26 Feb 2026)