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$98,050
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,100
−HK$3,099/mo
Today · 4.125%
HK$104,199
baseline
▲ 0.50% · 4.625%
HK$110,539
+HK$6,340/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,398/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,080
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,005
−HK$2,968/mo
Today · 4.125%
HK$114,973
baseline
▲ 0.50% · 4.625%
HK$121,033
+HK$6,060/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,946/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,660
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,320
−HK$3,718/mo
Today · 4.125%
HK$125,038
baseline
▲ 0.50% · 4.625%
HK$132,647
+HK$7,609/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,076/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,896
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,406
−HK$3,562/mo
Today · 4.125%
HK$137,968
baseline
▲ 0.50% · 4.625%
HK$145,240
+HK$7,272/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,936/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,270
−HK$8,608/mo
▼ 0.25% · 3.875%
HK$141,540
−HK$4,338/mo
Today · 4.125%
HK$145,878
baseline
▲ 0.50% · 4.625%
HK$154,755
+HK$8,877/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$291,756/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,712
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$156,807
−HK$4,155/mo
Today · 4.125%
HK$160,962
baseline
▲ 0.50% · 4.625%
HK$169,447
+HK$8,485/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$321,924/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,490
−HK$11,068/mo
▼ 0.25% · 3.875%
HK$181,980
−HK$5,578/mo
Today · 4.125%
HK$187,558
baseline
▲ 0.50% · 4.625%
HK$198,970
+HK$11,412/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$375,116/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,344
−HK$10,607/mo
▼ 0.25% · 3.875%
HK$201,609
−HK$5,342/mo
Today · 4.125%
HK$206,951
baseline
▲ 0.50% · 4.625%
HK$217,860
+HK$10,909/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$413,902/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,483 · Scale 2, in force from 26 Feb 2026)