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$98,040
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,090
−HK$3,098/mo
Today · 4.125%
HK$104,188
baseline
▲ 0.50% · 4.625%
HK$110,528
+HK$6,340/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,376/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,069
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,994
−HK$2,967/mo
Today · 4.125%
HK$114,961
baseline
▲ 0.50% · 4.625%
HK$121,021
+HK$6,060/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,922/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,648
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,308
−HK$3,718/mo
Today · 4.125%
HK$125,026
baseline
▲ 0.50% · 4.625%
HK$132,633
+HK$7,607/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,052/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,882
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,393
−HK$3,561/mo
Today · 4.125%
HK$137,954
baseline
▲ 0.50% · 4.625%
HK$145,225
+HK$7,271/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,908/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,256
−HK$8,607/mo
▼ 0.25% · 3.875%
HK$141,526
−HK$4,337/mo
Today · 4.125%
HK$145,863
baseline
▲ 0.50% · 4.625%
HK$154,739
+HK$8,876/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$291,726/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,696
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$156,791
−HK$4,155/mo
Today · 4.125%
HK$160,946
baseline
▲ 0.50% · 4.625%
HK$169,430
+HK$8,484/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$321,892/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,472
−HK$11,067/mo
▼ 0.25% · 3.875%
HK$181,962
−HK$5,577/mo
Today · 4.125%
HK$187,539
baseline
▲ 0.50% · 4.625%
HK$198,950
+HK$11,411/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$375,078/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,324
−HK$10,607/mo
▼ 0.25% · 3.875%
HK$201,589
−HK$5,342/mo
Today · 4.125%
HK$206,931
baseline
▲ 0.50% · 4.625%
HK$217,838
+HK$10,907/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$413,862/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,299 · Scale 2, in force from 26 Feb 2026)