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$98,133
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,186
−HK$3,101/mo
Today · 4.125%
HK$104,287
baseline
▲ 0.50% · 4.625%
HK$110,633
+HK$6,346/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,574/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,172
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,100
−HK$2,970/mo
Today · 4.125%
HK$115,070
baseline
▲ 0.50% · 4.625%
HK$121,136
+HK$6,066/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,140/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,760
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,423
−HK$3,721/mo
Today · 4.125%
HK$125,144
baseline
▲ 0.50% · 4.625%
HK$132,759
+HK$7,615/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,288/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,829,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,006
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,520
−HK$3,564/mo
Today · 4.125%
HK$138,084
baseline
▲ 0.50% · 4.625%
HK$145,363
+HK$7,279/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,168/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,829,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,386
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$141,660
−HK$4,342/mo
Today · 4.125%
HK$146,002
baseline
▲ 0.50% · 4.625%
HK$154,886
+HK$8,884/mo
Deposit HK$12.91M · loan HK$30.13M · min. income ≈ HK$292,004/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,841
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,940
−HK$4,158/mo
Today · 4.125%
HK$161,098
baseline
▲ 0.50% · 4.625%
HK$169,590
+HK$8,492/mo
Deposit HK$12.91M · loan HK$30.13M · min. income ≈ HK$322,196/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,640
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$182,134
−HK$5,582/mo
Today · 4.125%
HK$187,716
baseline
▲ 0.50% · 4.625%
HK$199,139
+HK$11,423/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,432/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,510
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$201,780
−HK$5,347/mo
Today · 4.125%
HK$207,127
baseline
▲ 0.50% · 4.625%
HK$218,044
+HK$10,917/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,254/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,030 · Scale 2, in force from 26 Feb 2026)