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$98,490
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,554
−HK$3,113/mo
Today · 4.125%
HK$104,667
baseline
▲ 0.50% · 4.625%
HK$111,035
+HK$6,368/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,334/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,570
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,508
−HK$2,981/mo
Today · 4.125%
HK$115,489
baseline
▲ 0.50% · 4.625%
HK$121,577
+HK$6,088/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$230,978/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,189
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,865
−HK$3,735/mo
Today · 4.125%
HK$125,600
baseline
▲ 0.50% · 4.625%
HK$133,242
+HK$7,642/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,200/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,484
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$135,010
−HK$3,577/mo
Today · 4.125%
HK$138,587
baseline
▲ 0.50% · 4.625%
HK$145,892
+HK$7,305/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,174/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,887
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,176
−HK$4,357/mo
Today · 4.125%
HK$146,533
baseline
▲ 0.50% · 4.625%
HK$155,450
+HK$8,917/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$293,066/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,398
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$157,512
−HK$4,173/mo
Today · 4.125%
HK$161,685
baseline
▲ 0.50% · 4.625%
HK$170,208
+HK$8,523/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$323,370/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,283
−HK$11,117/mo
▼ 0.25% · 3.875%
HK$182,797
−HK$5,603/mo
Today · 4.125%
HK$188,400
baseline
▲ 0.50% · 4.625%
HK$199,864
+HK$11,464/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$376,800/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,225
−HK$10,656/mo
▼ 0.25% · 3.875%
HK$202,515
−HK$5,366/mo
Today · 4.125%
HK$207,881
baseline
▲ 0.50% · 4.625%
HK$218,839
+HK$10,958/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$415,762/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,691 · Scale 2, in force from 26 Feb 2026)