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$98,563
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,629
−HK$3,114/mo
Today · 4.125%
HK$104,743
baseline
▲ 0.50% · 4.625%
HK$111,117
+HK$6,374/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$209,486/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,837,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,650
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,591
−HK$2,983/mo
Today · 4.125%
HK$115,574
baseline
▲ 0.50% · 4.625%
HK$121,666
+HK$6,092/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$231,148/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,837,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,275
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$121,954
−HK$3,738/mo
Today · 4.125%
HK$125,692
baseline
▲ 0.50% · 4.625%
HK$133,340
+HK$7,648/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$251,384/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,837,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,580
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,109
−HK$3,580/mo
Today · 4.125%
HK$138,689
baseline
▲ 0.50% · 4.625%
HK$145,999
+HK$7,310/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$277,378/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,837,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,988
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,280
−HK$4,361/mo
Today · 4.125%
HK$146,641
baseline
▲ 0.50% · 4.625%
HK$155,564
+HK$8,923/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$293,282/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,837,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,510
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,627
−HK$4,177/mo
Today · 4.125%
HK$161,804
baseline
▲ 0.50% · 4.625%
HK$170,333
+HK$8,529/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$323,608/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,837,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,413
−HK$11,125/mo
▼ 0.25% · 3.875%
HK$182,931
−HK$5,607/mo
Today · 4.125%
HK$188,538
baseline
▲ 0.50% · 4.625%
HK$200,010
+HK$11,472/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$377,076/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,837,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,370
−HK$10,663/mo
▼ 0.25% · 3.875%
HK$202,663
−HK$5,370/mo
Today · 4.125%
HK$208,033
baseline
▲ 0.50% · 4.625%
HK$218,999
+HK$10,966/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$416,066/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,837,037 · Scale 2, in force from 26 Feb 2026)