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$98,576
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,642
−HK$3,115/mo
Today · 4.125%
HK$104,757
baseline
▲ 0.50% · 4.625%
HK$111,131
+HK$6,374/mo
Deposit HK$21.62M · loan HK$21.62M · min. income ≈ HK$209,514/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,837,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,664
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,605
−HK$2,984/mo
Today · 4.125%
HK$115,589
baseline
▲ 0.50% · 4.625%
HK$121,682
+HK$6,093/mo
Deposit HK$21.62M · loan HK$21.62M · min. income ≈ HK$231,178/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,837,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,291
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$121,970
−HK$3,739/mo
Today · 4.125%
HK$125,709
baseline
▲ 0.50% · 4.625%
HK$133,358
+HK$7,649/mo
Deposit HK$17.29M · loan HK$25.94M · min. income ≈ HK$251,418/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,837,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,597
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$135,127
−HK$3,580/mo
Today · 4.125%
HK$138,707
baseline
▲ 0.50% · 4.625%
HK$146,018
+HK$7,311/mo
Deposit HK$17.29M · loan HK$25.94M · min. income ≈ HK$277,414/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,837,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,006
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$142,299
−HK$4,361/mo
Today · 4.125%
HK$146,660
baseline
▲ 0.50% · 4.625%
HK$155,584
+HK$8,924/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$293,320/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,837,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,530
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$157,648
−HK$4,177/mo
Today · 4.125%
HK$161,825
baseline
▲ 0.50% · 4.625%
HK$170,355
+HK$8,530/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$323,650/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,837,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,436
−HK$11,127/mo
▼ 0.25% · 3.875%
HK$182,955
−HK$5,608/mo
Today · 4.125%
HK$188,563
baseline
▲ 0.50% · 4.625%
HK$200,036
+HK$11,473/mo
Deposit HK$4.32M · loan HK$38.91M · min. income ≈ HK$377,126/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,837,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,396
−HK$10,664/mo
▼ 0.25% · 3.875%
HK$202,690
−HK$5,370/mo
Today · 4.125%
HK$208,060
baseline
▲ 0.50% · 4.625%
HK$219,028
+HK$10,968/mo
Deposit HK$4.32M · loan HK$38.91M · min. income ≈ HK$416,120/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,837,277 · Scale 2, in force from 26 Feb 2026)