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$98,045
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,095
−HK$3,098/mo
Today · 4.125%
HK$104,193
baseline
▲ 0.50% · 4.625%
HK$110,533
+HK$6,340/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,386/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,074
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$111,999
−HK$2,968/mo
Today · 4.125%
HK$114,967
baseline
▲ 0.50% · 4.625%
HK$121,027
+HK$6,060/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,934/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,654
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,313
−HK$3,719/mo
Today · 4.125%
HK$125,032
baseline
▲ 0.50% · 4.625%
HK$132,640
+HK$7,608/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,064/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,889
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$134,399
−HK$3,561/mo
Today · 4.125%
HK$137,960
baseline
▲ 0.50% · 4.625%
HK$145,232
+HK$7,272/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,920/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,263
−HK$8,607/mo
▼ 0.25% · 3.875%
HK$141,532
−HK$4,338/mo
Today · 4.125%
HK$145,870
baseline
▲ 0.50% · 4.625%
HK$154,746
+HK$8,876/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$291,740/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,703
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$156,799
−HK$4,155/mo
Today · 4.125%
HK$160,954
baseline
▲ 0.50% · 4.625%
HK$169,438
+HK$8,484/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$321,908/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,481
−HK$11,067/mo
▼ 0.25% · 3.875%
HK$181,970
−HK$5,578/mo
Today · 4.125%
HK$187,548
baseline
▲ 0.50% · 4.625%
HK$198,959
+HK$11,411/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$375,096/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,333
−HK$10,607/mo
▼ 0.25% · 3.875%
HK$201,599
−HK$5,341/mo
Today · 4.125%
HK$206,940
baseline
▲ 0.50% · 4.625%
HK$217,848
+HK$10,908/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$413,880/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,385 · Scale 2, in force from 26 Feb 2026)