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$98,678
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,748
−HK$3,118/mo
Today · 4.125%
HK$104,866
baseline
▲ 0.50% · 4.625%
HK$111,247
+HK$6,381/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$209,732/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,778
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,723
−HK$2,986/mo
Today · 4.125%
HK$115,709
baseline
▲ 0.50% · 4.625%
HK$121,809
+HK$6,100/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$231,418/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,414
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,097
−HK$3,742/mo
Today · 4.125%
HK$125,839
baseline
▲ 0.50% · 4.625%
HK$133,496
+HK$7,657/mo
Deposit HK$17.31M · loan HK$25.97M · min. income ≈ HK$251,678/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,839,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,734
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,267
−HK$3,584/mo
Today · 4.125%
HK$138,851
baseline
▲ 0.50% · 4.625%
HK$146,170
+HK$7,319/mo
Deposit HK$17.31M · loan HK$25.97M · min. income ≈ HK$277,702/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,839,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,149
−HK$8,664/mo
▼ 0.25% · 3.875%
HK$142,447
−HK$4,366/mo
Today · 4.125%
HK$146,813
baseline
▲ 0.50% · 4.625%
HK$155,746
+HK$8,933/mo
Deposit HK$12.98M · loan HK$30.29M · min. income ≈ HK$293,626/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,839,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,690
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$157,812
−HK$4,181/mo
Today · 4.125%
HK$161,993
baseline
▲ 0.50% · 4.625%
HK$170,532
+HK$8,539/mo
Deposit HK$12.98M · loan HK$30.29M · min. income ≈ HK$323,986/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,839,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,621
−HK$11,138/mo
▼ 0.25% · 3.875%
HK$183,146
−HK$5,613/mo
Today · 4.125%
HK$188,759
baseline
▲ 0.50% · 4.625%
HK$200,245
+HK$11,486/mo
Deposit HK$4.33M · loan HK$38.95M · min. income ≈ HK$377,518/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,601
−HK$10,676/mo
▼ 0.25% · 3.875%
HK$202,901
−HK$5,376/mo
Today · 4.125%
HK$208,277
baseline
▲ 0.50% · 4.625%
HK$219,256
+HK$10,979/mo
Deposit HK$4.33M · loan HK$38.95M · min. income ≈ HK$416,554/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,189 · Scale 2, in force from 26 Feb 2026)