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$98,131
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,183
−HK$3,101/mo
Today · 4.125%
HK$104,284
baseline
▲ 0.50% · 4.625%
HK$110,630
+HK$6,346/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,568/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,828,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,169
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,097
−HK$2,970/mo
Today · 4.125%
HK$115,067
baseline
▲ 0.50% · 4.625%
HK$121,133
+HK$6,066/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,134/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,828,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,757
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,420
−HK$3,721/mo
Today · 4.125%
HK$125,141
baseline
▲ 0.50% · 4.625%
HK$132,756
+HK$7,615/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,282/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,003
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,517
−HK$3,564/mo
Today · 4.125%
HK$138,081
baseline
▲ 0.50% · 4.625%
HK$145,359
+HK$7,278/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,162/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,383
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,656
−HK$4,342/mo
Today · 4.125%
HK$145,998
baseline
▲ 0.50% · 4.625%
HK$154,882
+HK$8,884/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$291,996/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,837
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,936
−HK$4,158/mo
Today · 4.125%
HK$161,094
baseline
▲ 0.50% · 4.625%
HK$169,586
+HK$8,492/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,188/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,635
−HK$11,077/mo
▼ 0.25% · 3.875%
HK$182,129
−HK$5,583/mo
Today · 4.125%
HK$187,712
baseline
▲ 0.50% · 4.625%
HK$199,133
+HK$11,421/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,424/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,505
−HK$10,616/mo
▼ 0.25% · 3.875%
HK$201,775
−HK$5,346/mo
Today · 4.125%
HK$207,121
baseline
▲ 0.50% · 4.625%
HK$218,039
+HK$10,918/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,242/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,984 · Scale 2, in force from 26 Feb 2026)