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$98,106
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,158
−HK$3,101/mo
Today · 4.125%
HK$104,259
baseline
▲ 0.50% · 4.625%
HK$110,602
+HK$6,343/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$208,518/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,142
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,070
−HK$2,969/mo
Today · 4.125%
HK$115,039
baseline
▲ 0.50% · 4.625%
HK$121,103
+HK$6,064/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$230,078/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,728
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$121,390
−HK$3,720/mo
Today · 4.125%
HK$125,110
baseline
▲ 0.50% · 4.625%
HK$132,723
+HK$7,613/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$250,220/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,971
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$134,483
−HK$3,564/mo
Today · 4.125%
HK$138,047
baseline
▲ 0.50% · 4.625%
HK$145,323
+HK$7,276/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$276,094/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,349
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$141,621
−HK$4,341/mo
Today · 4.125%
HK$145,962
baseline
▲ 0.50% · 4.625%
HK$154,843
+HK$8,881/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$291,924/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,799
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$156,897
−HK$4,158/mo
Today · 4.125%
HK$161,055
baseline
▲ 0.50% · 4.625%
HK$169,544
+HK$8,489/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,110/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,592
−HK$11,073/mo
▼ 0.25% · 3.875%
HK$182,085
−HK$5,580/mo
Today · 4.125%
HK$187,665
baseline
▲ 0.50% · 4.625%
HK$199,084
+HK$11,419/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$375,330/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,456
−HK$10,614/mo
▼ 0.25% · 3.875%
HK$201,725
−HK$5,345/mo
Today · 4.125%
HK$207,070
baseline
▲ 0.50% · 4.625%
HK$217,985
+HK$10,915/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$414,140/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,533 · Scale 2, in force from 26 Feb 2026)