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$98,712
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,782
−HK$3,120/mo
Today · 4.125%
HK$104,902
baseline
▲ 0.50% · 4.625%
HK$111,285
+HK$6,383/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$209,804/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,816
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,761
−HK$2,988/mo
Today · 4.125%
HK$115,749
baseline
▲ 0.50% · 4.625%
HK$121,850
+HK$6,101/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$231,498/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,454
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,138
−HK$3,744/mo
Today · 4.125%
HK$125,882
baseline
▲ 0.50% · 4.625%
HK$133,542
+HK$7,660/mo
Deposit HK$17.32M · loan HK$25.97M · min. income ≈ HK$251,764/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,839,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,779
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$135,313
−HK$3,585/mo
Today · 4.125%
HK$138,898
baseline
▲ 0.50% · 4.625%
HK$146,220
+HK$7,322/mo
Deposit HK$17.32M · loan HK$25.97M · min. income ≈ HK$277,796/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,839,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,196
−HK$8,666/mo
▼ 0.25% · 3.875%
HK$142,495
−HK$4,367/mo
Today · 4.125%
HK$146,862
baseline
▲ 0.50% · 4.625%
HK$155,799
+HK$8,937/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$293,724/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,839,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,742
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$157,865
−HK$4,183/mo
Today · 4.125%
HK$162,048
baseline
▲ 0.50% · 4.625%
HK$170,590
+HK$8,542/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$324,096/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,839,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,681
−HK$11,142/mo
▼ 0.25% · 3.875%
HK$183,208
−HK$5,615/mo
Today · 4.125%
HK$188,823
baseline
▲ 0.50% · 4.625%
HK$200,312
+HK$11,489/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$377,646/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,668
−HK$10,680/mo
▼ 0.25% · 3.875%
HK$202,970
−HK$5,378/mo
Today · 4.125%
HK$208,348
baseline
▲ 0.50% · 4.625%
HK$219,330
+HK$10,982/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$416,696/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,812 · Scale 2, in force from 26 Feb 2026)