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$98,790
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,863
−HK$3,123/mo
Today · 4.125%
HK$104,986
baseline
▲ 0.50% · 4.625%
HK$111,374
+HK$6,388/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$209,972/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,903
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,851
−HK$2,990/mo
Today · 4.125%
HK$115,841
baseline
▲ 0.50% · 4.625%
HK$121,947
+HK$6,106/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$231,682/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,549
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$122,236
−HK$3,747/mo
Today · 4.125%
HK$125,983
baseline
▲ 0.50% · 4.625%
HK$133,648
+HK$7,665/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$251,966/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,884
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,421
−HK$3,588/mo
Today · 4.125%
HK$139,009
baseline
▲ 0.50% · 4.625%
HK$146,337
+HK$7,328/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$278,018/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,307
−HK$8,673/mo
▼ 0.25% · 3.875%
HK$142,609
−HK$4,371/mo
Today · 4.125%
HK$146,980
baseline
▲ 0.50% · 4.625%
HK$155,923
+HK$8,943/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$293,960/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,865
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$157,991
−HK$4,187/mo
Today · 4.125%
HK$162,178
baseline
▲ 0.50% · 4.625%
HK$170,726
+HK$8,548/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$324,356/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,823
−HK$11,151/mo
▼ 0.25% · 3.875%
HK$183,354
−HK$5,620/mo
Today · 4.125%
HK$188,974
baseline
▲ 0.50% · 4.625%
HK$200,473
+HK$11,499/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$377,948/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,826
−HK$10,688/mo
▼ 0.25% · 3.875%
HK$203,132
−HK$5,382/mo
Today · 4.125%
HK$208,514
baseline
▲ 0.50% · 4.625%
HK$219,505
+HK$10,991/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$417,028/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,283 · Scale 2, in force from 26 Feb 2026)