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$98,515
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,579
−HK$3,113/mo
Today · 4.125%
HK$104,692
baseline
▲ 0.50% · 4.625%
HK$111,063
+HK$6,371/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,384/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,597
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,536
−HK$2,982/mo
Today · 4.125%
HK$115,518
baseline
▲ 0.50% · 4.625%
HK$121,607
+HK$6,089/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,036/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,218
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$121,895
−HK$3,736/mo
Today · 4.125%
HK$125,631
baseline
▲ 0.50% · 4.625%
HK$133,275
+HK$7,644/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,262/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,516
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,043
−HK$3,578/mo
Today · 4.125%
HK$138,621
baseline
▲ 0.50% · 4.625%
HK$145,928
+HK$7,307/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,242/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,920
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,211
−HK$4,358/mo
Today · 4.125%
HK$146,569
baseline
▲ 0.50% · 4.625%
HK$155,488
+HK$8,919/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,138/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,435
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,550
−HK$4,175/mo
Today · 4.125%
HK$161,725
baseline
▲ 0.50% · 4.625%
HK$170,249
+HK$8,524/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,450/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,326
−HK$11,120/mo
▼ 0.25% · 3.875%
HK$182,842
−HK$5,604/mo
Today · 4.125%
HK$188,446
baseline
▲ 0.50% · 4.625%
HK$199,913
+HK$11,467/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,892/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,274
−HK$10,658/mo
▼ 0.25% · 3.875%
HK$202,565
−HK$5,367/mo
Today · 4.125%
HK$207,932
baseline
▲ 0.50% · 4.625%
HK$218,892
+HK$10,960/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,864/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,141 · Scale 2, in force from 26 Feb 2026)