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$98,686
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,755
−HK$3,119/mo
Today · 4.125%
HK$104,874
baseline
▲ 0.50% · 4.625%
HK$111,255
+HK$6,381/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$209,748/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,787
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,731
−HK$2,987/mo
Today · 4.125%
HK$115,718
baseline
▲ 0.50% · 4.625%
HK$121,818
+HK$6,100/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$231,436/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,423
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$122,106
−HK$3,743/mo
Today · 4.125%
HK$125,849
baseline
▲ 0.50% · 4.625%
HK$133,507
+HK$7,658/mo
Deposit HK$17.31M · loan HK$25.97M · min. income ≈ HK$251,698/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,839,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,744
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$135,277
−HK$3,585/mo
Today · 4.125%
HK$138,862
baseline
▲ 0.50% · 4.625%
HK$146,181
+HK$7,319/mo
Deposit HK$17.31M · loan HK$25.97M · min. income ≈ HK$277,724/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,839,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,160
−HK$8,664/mo
▼ 0.25% · 3.875%
HK$142,457
−HK$4,367/mo
Today · 4.125%
HK$146,824
baseline
▲ 0.50% · 4.625%
HK$155,758
+HK$8,934/mo
Deposit HK$12.98M · loan HK$30.29M · min. income ≈ HK$293,648/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,839,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,701
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$157,824
−HK$4,182/mo
Today · 4.125%
HK$162,006
baseline
▲ 0.50% · 4.625%
HK$170,545
+HK$8,539/mo
Deposit HK$12.98M · loan HK$30.29M · min. income ≈ HK$324,012/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,839,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,634
−HK$11,139/mo
▼ 0.25% · 3.875%
HK$183,160
−HK$5,613/mo
Today · 4.125%
HK$188,773
baseline
▲ 0.50% · 4.625%
HK$200,260
+HK$11,487/mo
Deposit HK$4.33M · loan HK$38.95M · min. income ≈ HK$377,546/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,616
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$202,916
−HK$5,377/mo
Today · 4.125%
HK$208,293
baseline
▲ 0.50% · 4.625%
HK$219,272
+HK$10,979/mo
Deposit HK$4.33M · loan HK$38.95M · min. income ≈ HK$416,586/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,329 · Scale 2, in force from 26 Feb 2026)