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$98,183
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,238
−HK$3,102/mo
Today · 4.125%
HK$104,340
baseline
▲ 0.50% · 4.625%
HK$110,689
+HK$6,349/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,680/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,829,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,228
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,158
−HK$2,971/mo
Today · 4.125%
HK$115,129
baseline
▲ 0.50% · 4.625%
HK$121,198
+HK$6,069/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,258/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,829,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,820
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,485
−HK$3,724/mo
Today · 4.125%
HK$125,209
baseline
▲ 0.50% · 4.625%
HK$132,827
+HK$7,618/mo
Deposit HK$17.22M · loan HK$25.83M · min. income ≈ HK$250,418/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,074
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,589
−HK$3,566/mo
Today · 4.125%
HK$138,155
baseline
▲ 0.50% · 4.625%
HK$145,438
+HK$7,283/mo
Deposit HK$17.22M · loan HK$25.83M · min. income ≈ HK$276,310/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,457
−HK$8,620/mo
▼ 0.25% · 3.875%
HK$141,733
−HK$4,344/mo
Today · 4.125%
HK$146,077
baseline
▲ 0.50% · 4.625%
HK$154,965
+HK$8,888/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$292,154/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,829,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,919
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$157,021
−HK$4,160/mo
Today · 4.125%
HK$161,181
baseline
▲ 0.50% · 4.625%
HK$169,677
+HK$8,496/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$322,362/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,829,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,730
−HK$11,083/mo
▼ 0.25% · 3.875%
HK$182,228
−HK$5,585/mo
Today · 4.125%
HK$187,813
baseline
▲ 0.50% · 4.625%
HK$199,241
+HK$11,428/mo
Deposit HK$4.31M · loan HK$38.75M · min. income ≈ HK$375,626/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,829,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,611
−HK$10,622/mo
▼ 0.25% · 3.875%
HK$201,884
−HK$5,349/mo
Today · 4.125%
HK$207,233
baseline
▲ 0.50% · 4.625%
HK$218,156
+HK$10,923/mo
Deposit HK$4.31M · loan HK$38.75M · min. income ≈ HK$414,466/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,829,969 · Scale 2, in force from 26 Feb 2026)