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$98,560
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,626
−HK$3,115/mo
Today · 4.125%
HK$104,741
baseline
▲ 0.50% · 4.625%
HK$111,114
+HK$6,373/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$209,482/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,836,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,648
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,588
−HK$2,983/mo
Today · 4.125%
HK$115,571
baseline
▲ 0.50% · 4.625%
HK$121,663
+HK$6,092/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$231,142/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,836,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,273
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$121,952
−HK$3,737/mo
Today · 4.125%
HK$125,689
baseline
▲ 0.50% · 4.625%
HK$133,337
+HK$7,648/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$251,378/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,836,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,577
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,106
−HK$3,580/mo
Today · 4.125%
HK$138,686
baseline
▲ 0.50% · 4.625%
HK$145,996
+HK$7,310/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$277,372/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,836,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,985
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,277
−HK$4,361/mo
Today · 4.125%
HK$146,638
baseline
▲ 0.50% · 4.625%
HK$155,560
+HK$8,922/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$293,276/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,507
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,624
−HK$4,176/mo
Today · 4.125%
HK$161,800
baseline
▲ 0.50% · 4.625%
HK$170,329
+HK$8,529/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$323,600/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,409
−HK$11,125/mo
▼ 0.25% · 3.875%
HK$182,927
−HK$5,607/mo
Today · 4.125%
HK$188,534
baseline
▲ 0.50% · 4.625%
HK$200,006
+HK$11,472/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$377,068/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,366
−HK$10,663/mo
▼ 0.25% · 3.875%
HK$202,659
−HK$5,370/mo
Today · 4.125%
HK$208,029
baseline
▲ 0.50% · 4.625%
HK$218,994
+HK$10,965/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$416,058/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,996 · Scale 2, in force from 26 Feb 2026)