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$98,516
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,580
−HK$3,114/mo
Today · 4.125%
HK$104,694
baseline
▲ 0.50% · 4.625%
HK$111,064
+HK$6,370/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,388/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,598
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,537
−HK$2,982/mo
Today · 4.125%
HK$115,519
baseline
▲ 0.50% · 4.625%
HK$121,608
+HK$6,089/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,038/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,219
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$121,896
−HK$3,737/mo
Today · 4.125%
HK$125,633
baseline
▲ 0.50% · 4.625%
HK$133,277
+HK$7,644/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,266/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,518
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,045
−HK$3,578/mo
Today · 4.125%
HK$138,623
baseline
▲ 0.50% · 4.625%
HK$145,930
+HK$7,307/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,246/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,922
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,212
−HK$4,359/mo
Today · 4.125%
HK$146,571
baseline
▲ 0.50% · 4.625%
HK$155,490
+HK$8,919/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,142/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,437
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,552
−HK$4,175/mo
Today · 4.125%
HK$161,727
baseline
▲ 0.50% · 4.625%
HK$170,252
+HK$8,525/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,454/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,329
−HK$11,120/mo
▼ 0.25% · 3.875%
HK$182,845
−HK$5,604/mo
Today · 4.125%
HK$188,449
baseline
▲ 0.50% · 4.625%
HK$199,915
+HK$11,466/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,898/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,276
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$202,567
−HK$5,368/mo
Today · 4.125%
HK$207,935
baseline
▲ 0.50% · 4.625%
HK$218,895
+HK$10,960/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,870/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,166 · Scale 2, in force from 26 Feb 2026)