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$98,803
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,876
−HK$3,123/mo
Today · 4.125%
HK$104,999
baseline
▲ 0.50% · 4.625%
HK$111,388
+HK$6,389/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$209,998/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,917
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,865
−HK$2,991/mo
Today · 4.125%
HK$115,856
baseline
▲ 0.50% · 4.625%
HK$121,963
+HK$6,107/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$231,712/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,564
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$122,252
−HK$3,747/mo
Today · 4.125%
HK$125,999
baseline
▲ 0.50% · 4.625%
HK$133,665
+HK$7,666/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$251,998/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,901
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,438
−HK$3,589/mo
Today · 4.125%
HK$139,027
baseline
▲ 0.50% · 4.625%
HK$146,355
+HK$7,328/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$278,054/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,324
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$142,627
−HK$4,371/mo
Today · 4.125%
HK$146,998
baseline
▲ 0.50% · 4.625%
HK$155,943
+HK$8,945/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$293,996/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,884
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$158,011
−HK$4,187/mo
Today · 4.125%
HK$162,198
baseline
▲ 0.50% · 4.625%
HK$170,748
+HK$8,550/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$324,396/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,845
−HK$11,153/mo
▼ 0.25% · 3.875%
HK$183,377
−HK$5,621/mo
Today · 4.125%
HK$188,998
baseline
▲ 0.50% · 4.625%
HK$200,498
+HK$11,500/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$377,996/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,851
−HK$10,689/mo
▼ 0.25% · 3.875%
HK$203,157
−HK$5,383/mo
Today · 4.125%
HK$208,540
baseline
▲ 0.50% · 4.625%
HK$219,533
+HK$10,993/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$417,080/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,515 · Scale 2, in force from 26 Feb 2026)