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$98,887
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,963
−HK$3,125/mo
Today · 4.125%
HK$105,088
baseline
▲ 0.50% · 4.625%
HK$111,482
+HK$6,394/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,176/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,010
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,961
−HK$2,993/mo
Today · 4.125%
HK$115,954
baseline
▲ 0.50% · 4.625%
HK$122,066
+HK$6,112/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,908/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,664
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,355
−HK$3,750/mo
Today · 4.125%
HK$126,105
baseline
▲ 0.50% · 4.625%
HK$133,778
+HK$7,673/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$252,210/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,012
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,553
−HK$3,592/mo
Today · 4.125%
HK$139,145
baseline
▲ 0.50% · 4.625%
HK$146,479
+HK$7,334/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$278,290/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,441
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$142,748
−HK$4,375/mo
Today · 4.125%
HK$147,123
baseline
▲ 0.50% · 4.625%
HK$156,075
+HK$8,952/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$294,246/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,015
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$158,145
−HK$4,190/mo
Today · 4.125%
HK$162,335
baseline
▲ 0.50% · 4.625%
HK$170,892
+HK$8,557/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$324,670/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,996
−HK$11,162/mo
▼ 0.25% · 3.875%
HK$183,533
−HK$5,625/mo
Today · 4.125%
HK$189,158
baseline
▲ 0.50% · 4.625%
HK$200,668
+HK$11,510/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$378,316/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,019
−HK$10,698/mo
▼ 0.25% · 3.875%
HK$203,329
−HK$5,388/mo
Today · 4.125%
HK$208,717
baseline
▲ 0.50% · 4.625%
HK$219,719
+HK$11,002/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$417,434/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,075 · Scale 2, in force from 26 Feb 2026)