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$98,559
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,624
−HK$3,115/mo
Today · 4.125%
HK$104,739
baseline
▲ 0.50% · 4.625%
HK$111,112
+HK$6,373/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$209,478/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,836,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,646
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,586
−HK$2,983/mo
Today · 4.125%
HK$115,569
baseline
▲ 0.50% · 4.625%
HK$121,661
+HK$6,092/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$231,138/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,836,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,270
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$121,949
−HK$3,738/mo
Today · 4.125%
HK$125,687
baseline
▲ 0.50% · 4.625%
HK$133,335
+HK$7,648/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$251,374/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,836,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,575
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$135,103
−HK$3,580/mo
Today · 4.125%
HK$138,683
baseline
▲ 0.50% · 4.625%
HK$145,993
+HK$7,310/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$277,366/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,836,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,982
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,274
−HK$4,361/mo
Today · 4.125%
HK$146,635
baseline
▲ 0.50% · 4.625%
HK$155,557
+HK$8,922/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$293,270/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,504
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,621
−HK$4,176/mo
Today · 4.125%
HK$161,797
baseline
▲ 0.50% · 4.625%
HK$170,326
+HK$8,529/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$323,594/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,406
−HK$11,124/mo
▼ 0.25% · 3.875%
HK$182,924
−HK$5,606/mo
Today · 4.125%
HK$188,530
baseline
▲ 0.50% · 4.625%
HK$200,002
+HK$11,472/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$377,060/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,362
−HK$10,663/mo
▼ 0.25% · 3.875%
HK$202,655
−HK$5,370/mo
Today · 4.125%
HK$208,025
baseline
▲ 0.50% · 4.625%
HK$218,990
+HK$10,965/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$416,050/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,962 · Scale 2, in force from 26 Feb 2026)