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$98,055
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,105
−HK$3,099/mo
Today · 4.125%
HK$104,204
baseline
▲ 0.50% · 4.625%
HK$110,545
+HK$6,341/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,408/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,086
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,011
−HK$2,968/mo
Today · 4.125%
HK$114,979
baseline
▲ 0.50% · 4.625%
HK$121,040
+HK$6,061/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,958/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,666
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,326
−HK$3,719/mo
Today · 4.125%
HK$125,045
baseline
▲ 0.50% · 4.625%
HK$132,654
+HK$7,609/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,090/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,903
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,413
−HK$3,562/mo
Today · 4.125%
HK$137,975
baseline
▲ 0.50% · 4.625%
HK$145,248
+HK$7,273/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,950/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,277
−HK$8,609/mo
▼ 0.25% · 3.875%
HK$141,547
−HK$4,339/mo
Today · 4.125%
HK$145,886
baseline
▲ 0.50% · 4.625%
HK$154,763
+HK$8,877/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$291,772/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,720
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$156,816
−HK$4,155/mo
Today · 4.125%
HK$160,971
baseline
▲ 0.50% · 4.625%
HK$169,456
+HK$8,485/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$321,942/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,499
−HK$11,069/mo
▼ 0.25% · 3.875%
HK$181,990
−HK$5,578/mo
Today · 4.125%
HK$187,568
baseline
▲ 0.50% · 4.625%
HK$198,981
+HK$11,413/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$375,136/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,354
−HK$10,608/mo
▼ 0.25% · 3.875%
HK$201,620
−HK$5,342/mo
Today · 4.125%
HK$206,962
baseline
▲ 0.50% · 4.625%
HK$217,872
+HK$10,910/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$413,924/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,580 · Scale 2, in force from 26 Feb 2026)