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$98,526
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,591
−HK$3,114/mo
Today · 4.125%
HK$104,705
baseline
▲ 0.50% · 4.625%
HK$111,076
+HK$6,371/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,410/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,609
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,549
−HK$2,982/mo
Today · 4.125%
HK$115,531
baseline
▲ 0.50% · 4.625%
HK$121,621
+HK$6,090/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,062/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,231
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$121,909
−HK$3,737/mo
Today · 4.125%
HK$125,646
baseline
▲ 0.50% · 4.625%
HK$133,291
+HK$7,645/mo
Deposit HK$17.28M · loan HK$25.93M · min. income ≈ HK$251,292/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,531
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$135,059
−HK$3,578/mo
Today · 4.125%
HK$138,637
baseline
▲ 0.50% · 4.625%
HK$145,945
+HK$7,308/mo
Deposit HK$17.28M · loan HK$25.93M · min. income ≈ HK$277,274/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,937
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$142,227
−HK$4,360/mo
Today · 4.125%
HK$146,587
baseline
▲ 0.50% · 4.625%
HK$155,506
+HK$8,919/mo
Deposit HK$12.96M · loan HK$30.25M · min. income ≈ HK$293,174/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,453
−HK$8,291/mo
▼ 0.25% · 3.875%
HK$157,569
−HK$4,175/mo
Today · 4.125%
HK$161,744
baseline
▲ 0.50% · 4.625%
HK$170,269
+HK$8,525/mo
Deposit HK$12.96M · loan HK$30.25M · min. income ≈ HK$323,488/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,347
−HK$11,121/mo
▼ 0.25% · 3.875%
HK$182,864
−HK$5,604/mo
Today · 4.125%
HK$188,468
baseline
▲ 0.50% · 4.625%
HK$199,936
+HK$11,468/mo
Deposit HK$4.32M · loan HK$38.89M · min. income ≈ HK$376,936/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,297
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$202,588
−HK$5,368/mo
Today · 4.125%
HK$207,956
baseline
▲ 0.50% · 4.625%
HK$218,918
+HK$10,962/mo
Deposit HK$4.32M · loan HK$38.89M · min. income ≈ HK$415,912/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,357 · Scale 2, in force from 26 Feb 2026)