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$98,811
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,885
−HK$3,122/mo
Today · 4.125%
HK$105,007
baseline
▲ 0.50% · 4.625%
HK$111,397
+HK$6,390/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$210,014/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,926
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,875
−HK$2,990/mo
Today · 4.125%
HK$115,865
baseline
▲ 0.50% · 4.625%
HK$121,973
+HK$6,108/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$231,730/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,573
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,262
−HK$3,747/mo
Today · 4.125%
HK$126,009
baseline
▲ 0.50% · 4.625%
HK$133,676
+HK$7,667/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$252,018/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,841,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,912
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,449
−HK$3,589/mo
Today · 4.125%
HK$139,038
baseline
▲ 0.50% · 4.625%
HK$146,367
+HK$7,329/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$278,076/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,841,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,336
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$142,639
−HK$4,371/mo
Today · 4.125%
HK$147,010
baseline
▲ 0.50% · 4.625%
HK$155,956
+HK$8,946/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$294,020/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,897
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$158,024
−HK$4,188/mo
Today · 4.125%
HK$162,212
baseline
▲ 0.50% · 4.625%
HK$170,762
+HK$8,550/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$324,424/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,860
−HK$11,153/mo
▼ 0.25% · 3.875%
HK$183,393
−HK$5,620/mo
Today · 4.125%
HK$189,013
baseline
▲ 0.50% · 4.625%
HK$200,514
+HK$11,501/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$378,026/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,841,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,868
−HK$10,690/mo
▼ 0.25% · 3.875%
HK$203,174
−HK$5,384/mo
Today · 4.125%
HK$208,558
baseline
▲ 0.50% · 4.625%
HK$219,551
+HK$10,993/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$417,116/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,841,668 · Scale 2, in force from 26 Feb 2026)