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$98,097
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,149
−HK$3,100/mo
Today · 4.125%
HK$104,249
baseline
▲ 0.50% · 4.625%
HK$110,592
+HK$6,343/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$208,498/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,132
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,059
−HK$2,969/mo
Today · 4.125%
HK$115,028
baseline
▲ 0.50% · 4.625%
HK$121,092
+HK$6,064/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$230,056/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,717
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$121,378
−HK$3,721/mo
Today · 4.125%
HK$125,099
baseline
▲ 0.50% · 4.625%
HK$132,711
+HK$7,612/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$250,198/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,959
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,471
−HK$3,563/mo
Today · 4.125%
HK$138,034
baseline
▲ 0.50% · 4.625%
HK$145,310
+HK$7,276/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$276,068/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,336
−HK$8,612/mo
▼ 0.25% · 3.875%
HK$141,608
−HK$4,340/mo
Today · 4.125%
HK$145,948
baseline
▲ 0.50% · 4.625%
HK$154,829
+HK$8,881/mo
Deposit HK$12.91M · loan HK$30.11M · min. income ≈ HK$291,896/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,828,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,785
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$156,883
−HK$4,157/mo
Today · 4.125%
HK$161,040
baseline
▲ 0.50% · 4.625%
HK$169,528
+HK$8,488/mo
Deposit HK$12.91M · loan HK$30.11M · min. income ≈ HK$322,080/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,828,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,575
−HK$11,073/mo
▼ 0.25% · 3.875%
HK$182,068
−HK$5,580/mo
Today · 4.125%
HK$187,648
baseline
▲ 0.50% · 4.625%
HK$199,066
+HK$11,418/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$375,296/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,438
−HK$10,613/mo
▼ 0.25% · 3.875%
HK$201,706
−HK$5,345/mo
Today · 4.125%
HK$207,051
baseline
▲ 0.50% · 4.625%
HK$217,965
+HK$10,914/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$414,102/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,363 · Scale 2, in force from 26 Feb 2026)