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$98,472
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,535
−HK$3,112/mo
Today · 4.125%
HK$104,647
baseline
▲ 0.50% · 4.625%
HK$111,014
+HK$6,367/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$209,294/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,549
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,487
−HK$2,980/mo
Today · 4.125%
HK$115,467
baseline
▲ 0.50% · 4.625%
HK$121,554
+HK$6,087/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$230,934/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,166
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$121,841
−HK$3,735/mo
Today · 4.125%
HK$125,576
baseline
▲ 0.50% · 4.625%
HK$133,217
+HK$7,641/mo
Deposit HK$17.27M · loan HK$25.91M · min. income ≈ HK$251,152/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,458
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$134,984
−HK$3,577/mo
Today · 4.125%
HK$138,561
baseline
▲ 0.50% · 4.625%
HK$145,864
+HK$7,303/mo
Deposit HK$17.27M · loan HK$25.91M · min. income ≈ HK$277,122/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,860
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$142,148
−HK$4,357/mo
Today · 4.125%
HK$146,505
baseline
▲ 0.50% · 4.625%
HK$155,420
+HK$8,915/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$293,010/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,368
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$157,481
−HK$4,173/mo
Today · 4.125%
HK$161,654
baseline
▲ 0.50% · 4.625%
HK$170,175
+HK$8,521/mo
Deposit HK$12.96M · loan HK$30.23M · min. income ≈ HK$323,308/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,249
−HK$11,115/mo
▼ 0.25% · 3.875%
HK$182,762
−HK$5,602/mo
Today · 4.125%
HK$188,364
baseline
▲ 0.50% · 4.625%
HK$199,825
+HK$11,461/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$376,728/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,187
−HK$10,654/mo
▼ 0.25% · 3.875%
HK$202,476
−HK$5,365/mo
Today · 4.125%
HK$207,841
baseline
▲ 0.50% · 4.625%
HK$218,796
+HK$10,955/mo
Deposit HK$4.32M · loan HK$38.87M · min. income ≈ HK$415,682/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,835,337 · Scale 2, in force from 26 Feb 2026)