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$98,839
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,913
−HK$3,124/mo
Today · 4.125%
HK$105,037
baseline
▲ 0.50% · 4.625%
HK$111,428
+HK$6,391/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$210,074/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,842,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,957
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,906
−HK$2,992/mo
Today · 4.125%
HK$115,898
baseline
▲ 0.50% · 4.625%
HK$122,007
+HK$6,109/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$231,796/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,842,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,607
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$122,296
−HK$3,749/mo
Today · 4.125%
HK$126,045
baseline
▲ 0.50% · 4.625%
HK$133,714
+HK$7,669/mo
Deposit HK$17.34M · loan HK$26.01M · min. income ≈ HK$252,090/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,842,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,949
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$135,488
−HK$3,590/mo
Today · 4.125%
HK$139,078
baseline
▲ 0.50% · 4.625%
HK$146,409
+HK$7,331/mo
Deposit HK$17.34M · loan HK$26.01M · min. income ≈ HK$278,156/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,842,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,375
−HK$8,677/mo
▼ 0.25% · 3.875%
HK$142,679
−HK$4,373/mo
Today · 4.125%
HK$147,052
baseline
▲ 0.50% · 4.625%
HK$156,000
+HK$8,948/mo
Deposit HK$13.00M · loan HK$30.34M · min. income ≈ HK$294,104/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,940
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$158,069
−HK$4,188/mo
Today · 4.125%
HK$162,257
baseline
▲ 0.50% · 4.625%
HK$170,810
+HK$8,553/mo
Deposit HK$13.00M · loan HK$30.34M · min. income ≈ HK$324,514/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,910
−HK$11,157/mo
▼ 0.25% · 3.875%
HK$183,444
−HK$5,623/mo
Today · 4.125%
HK$189,067
baseline
▲ 0.50% · 4.625%
HK$200,571
+HK$11,504/mo
Deposit HK$4.33M · loan HK$39.01M · min. income ≈ HK$378,134/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,923
−HK$10,694/mo
▼ 0.25% · 3.875%
HK$203,232
−HK$5,385/mo
Today · 4.125%
HK$208,617
baseline
▲ 0.50% · 4.625%
HK$219,613
+HK$10,996/mo
Deposit HK$4.33M · loan HK$39.01M · min. income ≈ HK$417,234/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,187 · Scale 2, in force from 26 Feb 2026)