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$98,398
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,459
−HK$3,109/mo
Today · 4.125%
HK$104,568
baseline
▲ 0.50% · 4.625%
HK$110,931
+HK$6,363/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$209,136/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,833,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,467
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,403
−HK$2,978/mo
Today · 4.125%
HK$115,381
baseline
▲ 0.50% · 4.625%
HK$121,463
+HK$6,082/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$230,762/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,833,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,077
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,750
−HK$3,732/mo
Today · 4.125%
HK$125,482
baseline
▲ 0.50% · 4.625%
HK$133,117
+HK$7,635/mo
Deposit HK$17.26M · loan HK$25.89M · min. income ≈ HK$250,964/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,833,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,360
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$134,883
−HK$3,574/mo
Today · 4.125%
HK$138,457
baseline
▲ 0.50% · 4.625%
HK$145,755
+HK$7,298/mo
Deposit HK$17.26M · loan HK$25.89M · min. income ≈ HK$276,914/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,833,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,757
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,042
−HK$4,354/mo
Today · 4.125%
HK$146,396
baseline
▲ 0.50% · 4.625%
HK$155,303
+HK$8,907/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$292,792/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,833,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,253
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,364
−HK$4,169/mo
Today · 4.125%
HK$161,533
baseline
▲ 0.50% · 4.625%
HK$170,048
+HK$8,515/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$323,066/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,833,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,116
−HK$11,107/mo
▼ 0.25% · 3.875%
HK$182,626
−HK$5,597/mo
Today · 4.125%
HK$188,223
baseline
▲ 0.50% · 4.625%
HK$199,676
+HK$11,453/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$376,446/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,833,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,040
−HK$10,645/mo
▼ 0.25% · 3.875%
HK$202,325
−HK$5,360/mo
Today · 4.125%
HK$207,685
baseline
▲ 0.50% · 4.625%
HK$218,633
+HK$10,948/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$415,370/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,833,965 · Scale 2, in force from 26 Feb 2026)