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$98,053
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,103
−HK$3,099/mo
Today · 4.125%
HK$104,202
baseline
▲ 0.50% · 4.625%
HK$110,542
+HK$6,340/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,404/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,083
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,009
−HK$2,967/mo
Today · 4.125%
HK$114,976
baseline
▲ 0.50% · 4.625%
HK$121,037
+HK$6,061/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,952/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,664
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,324
−HK$3,718/mo
Today · 4.125%
HK$125,042
baseline
▲ 0.50% · 4.625%
HK$132,651
+HK$7,609/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,084/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,900
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,410
−HK$3,562/mo
Today · 4.125%
HK$137,972
baseline
▲ 0.50% · 4.625%
HK$145,244
+HK$7,272/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,944/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,274
−HK$8,609/mo
▼ 0.25% · 3.875%
HK$141,544
−HK$4,339/mo
Today · 4.125%
HK$145,883
baseline
▲ 0.50% · 4.625%
HK$154,759
+HK$8,876/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$291,766/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,716
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$156,812
−HK$4,155/mo
Today · 4.125%
HK$160,967
baseline
▲ 0.50% · 4.625%
HK$169,452
+HK$8,485/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$321,934/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,495
−HK$11,068/mo
▼ 0.25% · 3.875%
HK$181,985
−HK$5,578/mo
Today · 4.125%
HK$187,563
baseline
▲ 0.50% · 4.625%
HK$198,976
+HK$11,413/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$375,126/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,349
−HK$10,609/mo
▼ 0.25% · 3.875%
HK$201,615
−HK$5,343/mo
Today · 4.125%
HK$206,958
baseline
▲ 0.50% · 4.625%
HK$217,867
+HK$10,909/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$413,916/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,537 · Scale 2, in force from 26 Feb 2026)