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$98,435
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,497
−HK$3,111/mo
Today · 4.125%
HK$104,608
baseline
▲ 0.50% · 4.625%
HK$110,973
+HK$6,365/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$209,216/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$1,834,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,508
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,445
−HK$2,979/mo
Today · 4.125%
HK$115,424
baseline
▲ 0.50% · 4.625%
HK$121,508
+HK$6,084/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$230,848/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$1,834,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,122
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$121,796
−HK$3,733/mo
Today · 4.125%
HK$125,529
baseline
▲ 0.50% · 4.625%
HK$133,167
+HK$7,638/mo
Deposit HK$17.27M · loan HK$25.90M · min. income ≈ HK$251,058/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,409
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,934
−HK$3,575/mo
Today · 4.125%
HK$138,509
baseline
▲ 0.50% · 4.625%
HK$145,810
+HK$7,301/mo
Deposit HK$17.27M · loan HK$25.90M · min. income ≈ HK$277,018/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,809
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$142,096
−HK$4,355/mo
Today · 4.125%
HK$146,451
baseline
▲ 0.50% · 4.625%
HK$155,362
+HK$8,911/mo
Deposit HK$12.95M · loan HK$30.22M · min. income ≈ HK$292,902/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,834,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,311
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$157,423
−HK$4,171/mo
Today · 4.125%
HK$161,594
baseline
▲ 0.50% · 4.625%
HK$170,112
+HK$8,518/mo
Deposit HK$12.95M · loan HK$30.22M · min. income ≈ HK$323,188/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,834,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,183
−HK$11,111/mo
▼ 0.25% · 3.875%
HK$182,694
−HK$5,600/mo
Today · 4.125%
HK$188,294
baseline
▲ 0.50% · 4.625%
HK$199,751
+HK$11,457/mo
Deposit HK$4.32M · loan HK$38.85M · min. income ≈ HK$376,588/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,114
−HK$10,650/mo
▼ 0.25% · 3.875%
HK$202,401
−HK$5,363/mo
Today · 4.125%
HK$207,764
baseline
▲ 0.50% · 4.625%
HK$218,715
+HK$10,951/mo
Deposit HK$4.32M · loan HK$38.85M · min. income ≈ HK$415,528/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,655 · Scale 2, in force from 26 Feb 2026)