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$98,015
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,064
−HK$3,098/mo
Today · 4.125%
HK$104,162
baseline
▲ 0.50% · 4.625%
HK$110,500
+HK$6,338/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$208,324/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,826,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,041
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,965
−HK$2,967/mo
Today · 4.125%
HK$114,932
baseline
▲ 0.50% · 4.625%
HK$120,990
+HK$6,058/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$229,864/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,826,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,618
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$121,277
−HK$3,717/mo
Today · 4.125%
HK$124,994
baseline
▲ 0.50% · 4.625%
HK$132,600
+HK$7,606/mo
Deposit HK$17.19M · loan HK$25.79M · min. income ≈ HK$249,988/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,849
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$134,358
−HK$3,561/mo
Today · 4.125%
HK$137,919
baseline
▲ 0.50% · 4.625%
HK$145,188
+HK$7,269/mo
Deposit HK$17.19M · loan HK$25.79M · min. income ≈ HK$275,838/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,221
−HK$8,605/mo
▼ 0.25% · 3.875%
HK$141,490
−HK$4,336/mo
Today · 4.125%
HK$145,826
baseline
▲ 0.50% · 4.625%
HK$154,699
+HK$8,873/mo
Deposit HK$12.90M · loan HK$30.09M · min. income ≈ HK$291,652/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,657
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$156,752
−HK$4,153/mo
Today · 4.125%
HK$160,905
baseline
▲ 0.50% · 4.625%
HK$169,386
+HK$8,481/mo
Deposit HK$12.90M · loan HK$30.09M · min. income ≈ HK$321,810/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,427
−HK$11,064/mo
▼ 0.25% · 3.875%
HK$181,915
−HK$5,576/mo
Today · 4.125%
HK$187,491
baseline
▲ 0.50% · 4.625%
HK$198,899
+HK$11,408/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$374,982/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,826,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,274
−HK$10,604/mo
▼ 0.25% · 3.875%
HK$201,538
−HK$5,340/mo
Today · 4.125%
HK$206,878
baseline
▲ 0.50% · 4.625%
HK$217,783
+HK$10,905/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$413,756/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,826,833 · Scale 2, in force from 26 Feb 2026)