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$98,058
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,108
−HK$3,099/mo
Today · 4.125%
HK$104,207
baseline
▲ 0.50% · 4.625%
HK$110,548
+HK$6,341/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,414/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,089
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,015
−HK$2,968/mo
Today · 4.125%
HK$114,983
baseline
▲ 0.50% · 4.625%
HK$121,044
+HK$6,061/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,966/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,670
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,330
−HK$3,719/mo
Today · 4.125%
HK$125,049
baseline
▲ 0.50% · 4.625%
HK$132,658
+HK$7,609/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,098/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,907
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,418
−HK$3,561/mo
Today · 4.125%
HK$137,979
baseline
▲ 0.50% · 4.625%
HK$145,252
+HK$7,273/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,958/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,282
−HK$8,608/mo
▼ 0.25% · 3.875%
HK$141,552
−HK$4,338/mo
Today · 4.125%
HK$145,890
baseline
▲ 0.50% · 4.625%
HK$154,767
+HK$8,877/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$291,780/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,724
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$156,820
−HK$4,156/mo
Today · 4.125%
HK$160,976
baseline
▲ 0.50% · 4.625%
HK$169,461
+HK$8,485/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$321,952/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,505
−HK$11,068/mo
▼ 0.25% · 3.875%
HK$181,995
−HK$5,578/mo
Today · 4.125%
HK$187,573
baseline
▲ 0.50% · 4.625%
HK$198,987
+HK$11,414/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$375,146/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,360
−HK$10,609/mo
▼ 0.25% · 3.875%
HK$201,626
−HK$5,343/mo
Today · 4.125%
HK$206,969
baseline
▲ 0.50% · 4.625%
HK$217,878
+HK$10,909/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$413,938/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,636 · Scale 2, in force from 26 Feb 2026)