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$98,196
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,251
−HK$3,103/mo
Today · 4.125%
HK$104,354
baseline
▲ 0.50% · 4.625%
HK$110,703
+HK$6,349/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,708/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,242
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,172
−HK$2,972/mo
Today · 4.125%
HK$115,144
baseline
▲ 0.50% · 4.625%
HK$121,214
+HK$6,070/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,288/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,835
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,501
−HK$3,724/mo
Today · 4.125%
HK$125,225
baseline
▲ 0.50% · 4.625%
HK$132,844
+HK$7,619/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,450/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,091
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,606
−HK$3,567/mo
Today · 4.125%
HK$138,173
baseline
▲ 0.50% · 4.625%
HK$145,456
+HK$7,283/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,346/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,474
−HK$8,621/mo
▼ 0.25% · 3.875%
HK$141,751
−HK$4,344/mo
Today · 4.125%
HK$146,095
baseline
▲ 0.50% · 4.625%
HK$154,985
+HK$8,890/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$292,190/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,939
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$157,041
−HK$4,161/mo
Today · 4.125%
HK$161,202
baseline
▲ 0.50% · 4.625%
HK$169,699
+HK$8,497/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$322,404/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,753
−HK$11,084/mo
▼ 0.25% · 3.875%
HK$182,251
−HK$5,586/mo
Today · 4.125%
HK$187,837
baseline
▲ 0.50% · 4.625%
HK$199,266
+HK$11,429/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$375,674/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,636
−HK$10,623/mo
▼ 0.25% · 3.875%
HK$201,909
−HK$5,350/mo
Today · 4.125%
HK$207,259
baseline
▲ 0.50% · 4.625%
HK$218,184
+HK$10,925/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$414,518/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,203 · Scale 2, in force from 26 Feb 2026)