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$98,487
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,550
−HK$3,113/mo
Today · 4.125%
HK$104,663
baseline
▲ 0.50% · 4.625%
HK$111,031
+HK$6,368/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,326/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,566
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,504
−HK$2,981/mo
Today · 4.125%
HK$115,485
baseline
▲ 0.50% · 4.625%
HK$121,573
+HK$6,088/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$230,970/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,184
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,860
−HK$3,735/mo
Today · 4.125%
HK$125,595
baseline
▲ 0.50% · 4.625%
HK$133,238
+HK$7,643/mo
Deposit HK$17.28M · loan HK$25.91M · min. income ≈ HK$251,190/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,479
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$135,005
−HK$3,577/mo
Today · 4.125%
HK$138,582
baseline
▲ 0.50% · 4.625%
HK$145,887
+HK$7,305/mo
Deposit HK$17.28M · loan HK$25.91M · min. income ≈ HK$277,164/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,882
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,171
−HK$4,357/mo
Today · 4.125%
HK$146,528
baseline
▲ 0.50% · 4.625%
HK$155,444
+HK$8,916/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$293,056/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,392
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$157,506
−HK$4,173/mo
Today · 4.125%
HK$161,679
baseline
▲ 0.50% · 4.625%
HK$170,202
+HK$8,523/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$323,358/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,276
−HK$11,117/mo
▼ 0.25% · 3.875%
HK$182,791
−HK$5,602/mo
Today · 4.125%
HK$188,393
baseline
▲ 0.50% · 4.625%
HK$199,857
+HK$11,464/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$376,786/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,218
−HK$10,655/mo
▼ 0.25% · 3.875%
HK$202,508
−HK$5,365/mo
Today · 4.125%
HK$207,873
baseline
▲ 0.50% · 4.625%
HK$218,831
+HK$10,958/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$415,746/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,625 · Scale 2, in force from 26 Feb 2026)