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$98,364
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,424
−HK$3,108/mo
Today · 4.125%
HK$104,532
baseline
▲ 0.50% · 4.625%
HK$110,893
+HK$6,361/mo
Deposit HK$21.57M · loan HK$21.57M · min. income ≈ HK$209,064/mo (50% DSR)
Upfront cash ≈ HK$23.40M (deposit + AVD stamp duty HK$1,833,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,429
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,364
−HK$2,977/mo
Today · 4.125%
HK$115,341
baseline
▲ 0.50% · 4.625%
HK$121,421
+HK$6,080/mo
Deposit HK$21.57M · loan HK$21.57M · min. income ≈ HK$230,682/mo (50% DSR)
Upfront cash ≈ HK$23.40M (deposit + AVD stamp duty HK$1,833,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,037
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$121,708
−HK$3,731/mo
Today · 4.125%
HK$125,439
baseline
▲ 0.50% · 4.625%
HK$133,071
+HK$7,632/mo
Deposit HK$17.25M · loan HK$25.88M · min. income ≈ HK$250,878/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,833,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,315
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$134,836
−HK$3,573/mo
Today · 4.125%
HK$138,409
baseline
▲ 0.50% · 4.625%
HK$145,705
+HK$7,296/mo
Deposit HK$17.25M · loan HK$25.88M · min. income ≈ HK$276,818/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,833,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,709
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$141,993
−HK$4,352/mo
Today · 4.125%
HK$146,345
baseline
▲ 0.50% · 4.625%
HK$155,250
+HK$8,905/mo
Deposit HK$12.94M · loan HK$30.20M · min. income ≈ HK$292,690/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,833,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,200
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$157,309
−HK$4,168/mo
Today · 4.125%
HK$161,477
baseline
▲ 0.50% · 4.625%
HK$169,989
+HK$8,512/mo
Deposit HK$12.94M · loan HK$30.20M · min. income ≈ HK$322,954/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,833,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,055
−HK$11,103/mo
▼ 0.25% · 3.875%
HK$182,562
−HK$5,596/mo
Today · 4.125%
HK$188,158
baseline
▲ 0.50% · 4.625%
HK$199,607
+HK$11,449/mo
Deposit HK$4.31M · loan HK$38.82M · min. income ≈ HK$376,316/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,833,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,972
−HK$10,642/mo
▼ 0.25% · 3.875%
HK$202,255
−HK$5,359/mo
Today · 4.125%
HK$207,614
baseline
▲ 0.50% · 4.625%
HK$218,557
+HK$10,943/mo
Deposit HK$4.31M · loan HK$38.82M · min. income ≈ HK$415,228/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,833,331 · Scale 2, in force from 26 Feb 2026)