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$98,038
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,088
−HK$3,098/mo
Today · 4.125%
HK$104,186
baseline
▲ 0.50% · 4.625%
HK$110,526
+HK$6,340/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,372/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,067
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,992
−HK$2,967/mo
Today · 4.125%
HK$114,959
baseline
▲ 0.50% · 4.625%
HK$121,019
+HK$6,060/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,918/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,646
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$121,305
−HK$3,718/mo
Today · 4.125%
HK$125,023
baseline
▲ 0.50% · 4.625%
HK$132,631
+HK$7,608/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,046/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,880
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$134,390
−HK$3,561/mo
Today · 4.125%
HK$137,951
baseline
▲ 0.50% · 4.625%
HK$145,223
+HK$7,272/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,902/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,254
−HK$8,607/mo
▼ 0.25% · 3.875%
HK$141,523
−HK$4,338/mo
Today · 4.125%
HK$145,861
baseline
▲ 0.50% · 4.625%
HK$154,736
+HK$8,875/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$291,722/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,693
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$156,789
−HK$4,154/mo
Today · 4.125%
HK$160,943
baseline
▲ 0.50% · 4.625%
HK$169,426
+HK$8,483/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$321,886/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,469
−HK$11,066/mo
▼ 0.25% · 3.875%
HK$181,958
−HK$5,577/mo
Today · 4.125%
HK$187,535
baseline
▲ 0.50% · 4.625%
HK$198,946
+HK$11,411/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$375,070/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,320
−HK$10,607/mo
▼ 0.25% · 3.875%
HK$201,585
−HK$5,342/mo
Today · 4.125%
HK$206,927
baseline
▲ 0.50% · 4.625%
HK$217,834
+HK$10,907/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$413,854/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,264 · Scale 2, in force from 26 Feb 2026)