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$98,793
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,866
−HK$3,122/mo
Today · 4.125%
HK$104,988
baseline
▲ 0.50% · 4.625%
HK$111,376
+HK$6,388/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$209,976/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,906
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,853
−HK$2,991/mo
Today · 4.125%
HK$115,844
baseline
▲ 0.50% · 4.625%
HK$121,950
+HK$6,106/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$231,688/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,551
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$122,239
−HK$3,746/mo
Today · 4.125%
HK$125,985
baseline
▲ 0.50% · 4.625%
HK$133,651
+HK$7,666/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$251,970/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,887
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,424
−HK$3,588/mo
Today · 4.125%
HK$139,012
baseline
▲ 0.50% · 4.625%
HK$146,340
+HK$7,328/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$278,024/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,310
−HK$8,673/mo
▼ 0.25% · 3.875%
HK$142,612
−HK$4,371/mo
Today · 4.125%
HK$146,983
baseline
▲ 0.50% · 4.625%
HK$155,926
+HK$8,943/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$293,966/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,868
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$157,995
−HK$4,186/mo
Today · 4.125%
HK$162,181
baseline
▲ 0.50% · 4.625%
HK$170,730
+HK$8,549/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$324,362/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,827
−HK$11,151/mo
▼ 0.25% · 3.875%
HK$183,358
−HK$5,620/mo
Today · 4.125%
HK$188,978
baseline
▲ 0.50% · 4.625%
HK$200,477
+HK$11,499/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$377,956/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,830
−HK$10,688/mo
▼ 0.25% · 3.875%
HK$203,136
−HK$5,382/mo
Today · 4.125%
HK$208,518
baseline
▲ 0.50% · 4.625%
HK$219,510
+HK$10,992/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$417,036/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,321 · Scale 2, in force from 26 Feb 2026)