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$98,014
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,063
−HK$3,097/mo
Today · 4.125%
HK$104,160
baseline
▲ 0.50% · 4.625%
HK$110,498
+HK$6,338/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$208,320/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,826,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,040
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,964
−HK$2,967/mo
Today · 4.125%
HK$114,931
baseline
▲ 0.50% · 4.625%
HK$120,989
+HK$6,058/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$229,862/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,826,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,617
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$121,276
−HK$3,717/mo
Today · 4.125%
HK$124,993
baseline
▲ 0.50% · 4.625%
HK$132,598
+HK$7,605/mo
Deposit HK$17.19M · loan HK$25.79M · min. income ≈ HK$249,986/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,848
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$134,357
−HK$3,560/mo
Today · 4.125%
HK$137,917
baseline
▲ 0.50% · 4.625%
HK$145,187
+HK$7,270/mo
Deposit HK$17.19M · loan HK$25.79M · min. income ≈ HK$275,834/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,220
−HK$8,605/mo
▼ 0.25% · 3.875%
HK$141,488
−HK$4,337/mo
Today · 4.125%
HK$145,825
baseline
▲ 0.50% · 4.625%
HK$154,698
+HK$8,873/mo
Deposit HK$12.90M · loan HK$30.09M · min. income ≈ HK$291,650/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,656
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$156,750
−HK$4,153/mo
Today · 4.125%
HK$160,903
baseline
▲ 0.50% · 4.625%
HK$169,385
+HK$8,482/mo
Deposit HK$12.90M · loan HK$30.09M · min. income ≈ HK$321,806/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,425
−HK$11,064/mo
▼ 0.25% · 3.875%
HK$181,913
−HK$5,576/mo
Today · 4.125%
HK$187,489
baseline
▲ 0.50% · 4.625%
HK$198,897
+HK$11,408/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$374,978/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,826,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,272
−HK$10,603/mo
▼ 0.25% · 3.875%
HK$201,535
−HK$5,340/mo
Today · 4.125%
HK$206,875
baseline
▲ 0.50% · 4.625%
HK$217,780
+HK$10,905/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$413,750/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,826,813 · Scale 2, in force from 26 Feb 2026)