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$98,638
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,706
−HK$3,117/mo
Today · 4.125%
HK$104,823
baseline
▲ 0.50% · 4.625%
HK$111,201
+HK$6,378/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$209,646/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,733
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,676
−HK$2,986/mo
Today · 4.125%
HK$115,662
baseline
▲ 0.50% · 4.625%
HK$121,759
+HK$6,097/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$231,324/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,365
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,047
−HK$3,741/mo
Today · 4.125%
HK$125,788
baseline
▲ 0.50% · 4.625%
HK$133,442
+HK$7,654/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$251,576/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,680
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,212
−HK$3,582/mo
Today · 4.125%
HK$138,794
baseline
▲ 0.50% · 4.625%
HK$146,110
+HK$7,316/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$277,588/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,093
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$142,388
−HK$4,364/mo
Today · 4.125%
HK$146,752
baseline
▲ 0.50% · 4.625%
HK$155,682
+HK$8,930/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$293,504/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,627
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$157,747
−HK$4,180/mo
Today · 4.125%
HK$161,927
baseline
▲ 0.50% · 4.625%
HK$170,462
+HK$8,535/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$323,854/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,548
−HK$11,133/mo
▼ 0.25% · 3.875%
HK$183,070
−HK$5,611/mo
Today · 4.125%
HK$188,681
baseline
▲ 0.50% · 4.625%
HK$200,162
+HK$11,481/mo
Deposit HK$4.33M · loan HK$38.93M · min. income ≈ HK$377,362/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,520
−HK$10,671/mo
▼ 0.25% · 3.875%
HK$202,817
−HK$5,374/mo
Today · 4.125%
HK$208,191
baseline
▲ 0.50% · 4.625%
HK$219,165
+HK$10,974/mo
Deposit HK$4.33M · loan HK$38.93M · min. income ≈ HK$416,382/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,433 · Scale 2, in force from 26 Feb 2026)