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$98,754
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,826
−HK$3,121/mo
Today · 4.125%
HK$104,947
baseline
▲ 0.50% · 4.625%
HK$111,333
+HK$6,386/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$209,894/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,840,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,863
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,809
−HK$2,989/mo
Today · 4.125%
HK$115,798
baseline
▲ 0.50% · 4.625%
HK$121,902
+HK$6,104/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$231,596/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,840,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,505
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,191
−HK$3,745/mo
Today · 4.125%
HK$125,936
baseline
▲ 0.50% · 4.625%
HK$133,599
+HK$7,663/mo
Deposit HK$17.32M · loan HK$25.98M · min. income ≈ HK$251,872/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,840,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,835
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,371
−HK$3,587/mo
Today · 4.125%
HK$138,958
baseline
▲ 0.50% · 4.625%
HK$146,283
+HK$7,325/mo
Deposit HK$17.32M · loan HK$25.98M · min. income ≈ HK$277,916/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,840,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,256
−HK$8,669/mo
▼ 0.25% · 3.875%
HK$142,556
−HK$4,369/mo
Today · 4.125%
HK$146,925
baseline
▲ 0.50% · 4.625%
HK$155,866
+HK$8,941/mo
Deposit HK$12.99M · loan HK$30.32M · min. income ≈ HK$293,850/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,840,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,808
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$157,933
−HK$4,185/mo
Today · 4.125%
HK$162,118
baseline
▲ 0.50% · 4.625%
HK$170,663
+HK$8,545/mo
Deposit HK$12.99M · loan HK$30.32M · min. income ≈ HK$324,236/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,840,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,757
−HK$11,147/mo
▼ 0.25% · 3.875%
HK$183,286
−HK$5,618/mo
Today · 4.125%
HK$188,904
baseline
▲ 0.50% · 4.625%
HK$200,399
+HK$11,495/mo
Deposit HK$4.33M · loan HK$38.98M · min. income ≈ HK$377,808/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,840,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,753
−HK$10,684/mo
▼ 0.25% · 3.875%
HK$203,057
−HK$5,380/mo
Today · 4.125%
HK$208,437
baseline
▲ 0.50% · 4.625%
HK$219,424
+HK$10,987/mo
Deposit HK$4.33M · loan HK$38.98M · min. income ≈ HK$416,874/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,840,603 · Scale 2, in force from 26 Feb 2026)