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$98,291
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,348
−HK$3,106/mo
Today · 4.125%
HK$104,454
baseline
▲ 0.50% · 4.625%
HK$110,810
+HK$6,356/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,908/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,347
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,280
−HK$2,975/mo
Today · 4.125%
HK$115,255
baseline
▲ 0.50% · 4.625%
HK$121,330
+HK$6,075/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,510/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,949
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,618
−HK$3,727/mo
Today · 4.125%
HK$125,345
baseline
▲ 0.50% · 4.625%
HK$132,972
+HK$7,627/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,690/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,217
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,736
−HK$3,570/mo
Today · 4.125%
HK$138,306
baseline
▲ 0.50% · 4.625%
HK$145,596
+HK$7,290/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,612/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,607
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,887
−HK$4,349/mo
Today · 4.125%
HK$146,236
baseline
▲ 0.50% · 4.625%
HK$155,134
+HK$8,898/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,472/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,086
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$157,192
−HK$4,165/mo
Today · 4.125%
HK$161,357
baseline
▲ 0.50% · 4.625%
HK$169,862
+HK$8,505/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,714/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,923
−HK$11,095/mo
▼ 0.25% · 3.875%
HK$182,427
−HK$5,591/mo
Today · 4.125%
HK$188,018
baseline
▲ 0.50% · 4.625%
HK$199,458
+HK$11,440/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$376,036/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,825
−HK$10,634/mo
▼ 0.25% · 3.875%
HK$202,104
−HK$5,355/mo
Today · 4.125%
HK$207,459
baseline
▲ 0.50% · 4.625%
HK$218,395
+HK$10,936/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,918/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,967 · Scale 2, in force from 26 Feb 2026)