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$98,719
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,789
−HK$3,120/mo
Today · 4.125%
HK$104,909
baseline
▲ 0.50% · 4.625%
HK$111,293
+HK$6,384/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$209,818/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,839,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,824
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,769
−HK$2,988/mo
Today · 4.125%
HK$115,757
baseline
▲ 0.50% · 4.625%
HK$121,859
+HK$6,102/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$231,514/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,839,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,462
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$122,147
−HK$3,744/mo
Today · 4.125%
HK$125,891
baseline
▲ 0.50% · 4.625%
HK$133,551
+HK$7,660/mo
Deposit HK$17.32M · loan HK$25.98M · min. income ≈ HK$251,782/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,839,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,788
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,323
−HK$3,585/mo
Today · 4.125%
HK$138,908
baseline
▲ 0.50% · 4.625%
HK$146,230
+HK$7,322/mo
Deposit HK$17.32M · loan HK$25.98M · min. income ≈ HK$277,816/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,839,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,206
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$142,505
−HK$4,368/mo
Today · 4.125%
HK$146,873
baseline
▲ 0.50% · 4.625%
HK$155,810
+HK$8,937/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$293,746/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,839,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,753
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$157,876
−HK$4,184/mo
Today · 4.125%
HK$162,060
baseline
▲ 0.50% · 4.625%
HK$170,602
+HK$8,542/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$324,120/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,839,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,694
−HK$11,143/mo
▼ 0.25% · 3.875%
HK$183,221
−HK$5,616/mo
Today · 4.125%
HK$188,837
baseline
▲ 0.50% · 4.625%
HK$200,327
+HK$11,490/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$377,674/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,682
−HK$10,680/mo
▼ 0.25% · 3.875%
HK$202,984
−HK$5,378/mo
Today · 4.125%
HK$208,362
baseline
▲ 0.50% · 4.625%
HK$219,346
+HK$10,984/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$416,724/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,944 · Scale 2, in force from 26 Feb 2026)