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$97,993
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,041
−HK$3,097/mo
Today · 4.125%
HK$104,138
baseline
▲ 0.50% · 4.625%
HK$110,475
+HK$6,337/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$208,276/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,016
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,940
−HK$2,966/mo
Today · 4.125%
HK$114,906
baseline
▲ 0.50% · 4.625%
HK$120,963
+HK$6,057/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$229,812/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,592
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$121,250
−HK$3,716/mo
Today · 4.125%
HK$124,966
baseline
▲ 0.50% · 4.625%
HK$132,570
+HK$7,604/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$249,932/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,820
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,328
−HK$3,559/mo
Today · 4.125%
HK$137,887
baseline
▲ 0.50% · 4.625%
HK$145,156
+HK$7,269/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$275,774/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,190
−HK$8,604/mo
▼ 0.25% · 3.875%
HK$141,458
−HK$4,336/mo
Today · 4.125%
HK$145,794
baseline
▲ 0.50% · 4.625%
HK$154,665
+HK$8,871/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$291,588/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,623
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$156,716
−HK$4,153/mo
Today · 4.125%
HK$160,869
baseline
▲ 0.50% · 4.625%
HK$169,348
+HK$8,479/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$321,738/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,388
−HK$11,061/mo
▼ 0.25% · 3.875%
HK$181,874
−HK$5,575/mo
Today · 4.125%
HK$187,449
baseline
▲ 0.50% · 4.625%
HK$198,855
+HK$11,406/mo
Deposit HK$4.30M · loan HK$38.68M · min. income ≈ HK$374,898/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,230
−HK$10,601/mo
▼ 0.25% · 3.875%
HK$201,492
−HK$5,339/mo
Today · 4.125%
HK$206,831
baseline
▲ 0.50% · 4.625%
HK$217,734
+HK$10,903/mo
Deposit HK$4.30M · loan HK$38.68M · min. income ≈ HK$413,662/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,422 · Scale 2, in force from 26 Feb 2026)