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$98,175
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,228
−HK$3,103/mo
Today · 4.125%
HK$104,331
baseline
▲ 0.50% · 4.625%
HK$110,679
+HK$6,348/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,662/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,829,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,218
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,147
−HK$2,972/mo
Today · 4.125%
HK$115,119
baseline
▲ 0.50% · 4.625%
HK$121,187
+HK$6,068/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,238/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,829,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,809
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$121,474
−HK$3,723/mo
Today · 4.125%
HK$125,197
baseline
▲ 0.50% · 4.625%
HK$132,815
+HK$7,618/mo
Deposit HK$17.22M · loan HK$25.83M · min. income ≈ HK$250,394/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,062
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,577
−HK$3,566/mo
Today · 4.125%
HK$138,143
baseline
▲ 0.50% · 4.625%
HK$145,424
+HK$7,281/mo
Deposit HK$17.22M · loan HK$25.83M · min. income ≈ HK$276,286/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,444
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$141,720
−HK$4,343/mo
Today · 4.125%
HK$146,063
baseline
▲ 0.50% · 4.625%
HK$154,951
+HK$8,888/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$292,126/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,829,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,905
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$157,006
−HK$4,160/mo
Today · 4.125%
HK$161,166
baseline
▲ 0.50% · 4.625%
HK$169,662
+HK$8,496/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$322,332/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,829,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,714
−HK$11,082/mo
▼ 0.25% · 3.875%
HK$182,211
−HK$5,585/mo
Today · 4.125%
HK$187,796
baseline
▲ 0.50% · 4.625%
HK$199,223
+HK$11,427/mo
Deposit HK$4.31M · loan HK$38.75M · min. income ≈ HK$375,592/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,829,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,593
−HK$10,621/mo
▼ 0.25% · 3.875%
HK$201,865
−HK$5,349/mo
Today · 4.125%
HK$207,214
baseline
▲ 0.50% · 4.625%
HK$218,137
+HK$10,923/mo
Deposit HK$4.31M · loan HK$38.75M · min. income ≈ HK$414,428/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,829,802 · Scale 2, in force from 26 Feb 2026)