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$98,746
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,818
−HK$3,120/mo
Today · 4.125%
HK$104,938
baseline
▲ 0.50% · 4.625%
HK$111,324
+HK$6,386/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$209,876/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,840,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,854
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,800
−HK$2,989/mo
Today · 4.125%
HK$115,789
baseline
▲ 0.50% · 4.625%
HK$121,892
+HK$6,103/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$231,578/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,840,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,495
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,181
−HK$3,745/mo
Today · 4.125%
HK$125,926
baseline
▲ 0.50% · 4.625%
HK$133,588
+HK$7,662/mo
Deposit HK$17.32M · loan HK$25.98M · min. income ≈ HK$251,852/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,840,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,825
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$135,360
−HK$3,587/mo
Today · 4.125%
HK$138,947
baseline
▲ 0.50% · 4.625%
HK$146,271
+HK$7,324/mo
Deposit HK$17.32M · loan HK$25.98M · min. income ≈ HK$277,894/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,840,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,244
−HK$8,670/mo
▼ 0.25% · 3.875%
HK$142,545
−HK$4,369/mo
Today · 4.125%
HK$146,914
baseline
▲ 0.50% · 4.625%
HK$155,853
+HK$8,939/mo
Deposit HK$12.99M · loan HK$30.31M · min. income ≈ HK$293,828/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,840,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,796
−HK$8,309/mo
▼ 0.25% · 3.875%
HK$157,920
−HK$4,185/mo
Today · 4.125%
HK$162,105
baseline
▲ 0.50% · 4.625%
HK$170,649
+HK$8,544/mo
Deposit HK$12.99M · loan HK$30.31M · min. income ≈ HK$324,210/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,840,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,743
−HK$11,146/mo
▼ 0.25% · 3.875%
HK$183,272
−HK$5,617/mo
Today · 4.125%
HK$188,889
baseline
▲ 0.50% · 4.625%
HK$200,382
+HK$11,493/mo
Deposit HK$4.33M · loan HK$38.97M · min. income ≈ HK$377,778/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,840,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,737
−HK$10,683/mo
▼ 0.25% · 3.875%
HK$203,040
−HK$5,380/mo
Today · 4.125%
HK$208,420
baseline
▲ 0.50% · 4.625%
HK$219,406
+HK$10,986/mo
Deposit HK$4.33M · loan HK$38.97M · min. income ≈ HK$416,840/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,840,455 · Scale 2, in force from 26 Feb 2026)