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$98,630
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,698
−HK$3,117/mo
Today · 4.125%
HK$104,815
baseline
▲ 0.50% · 4.625%
HK$111,193
+HK$6,378/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$209,630/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,725
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,668
−HK$2,985/mo
Today · 4.125%
HK$115,653
baseline
▲ 0.50% · 4.625%
HK$121,749
+HK$6,096/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$231,306/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,356
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$122,038
−HK$3,740/mo
Today · 4.125%
HK$125,778
baseline
▲ 0.50% · 4.625%
HK$133,432
+HK$7,654/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$251,556/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,670
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,201
−HK$3,583/mo
Today · 4.125%
HK$138,784
baseline
▲ 0.50% · 4.625%
HK$146,099
+HK$7,315/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$277,568/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,082
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$142,377
−HK$4,364/mo
Today · 4.125%
HK$146,741
baseline
▲ 0.50% · 4.625%
HK$155,670
+HK$8,929/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$293,482/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,838,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,615
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$157,735
−HK$4,180/mo
Today · 4.125%
HK$161,915
baseline
▲ 0.50% · 4.625%
HK$170,449
+HK$8,534/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$323,830/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,838,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,534
−HK$11,133/mo
▼ 0.25% · 3.875%
HK$183,057
−HK$5,610/mo
Today · 4.125%
HK$188,667
baseline
▲ 0.50% · 4.625%
HK$200,147
+HK$11,480/mo
Deposit HK$4.33M · loan HK$38.93M · min. income ≈ HK$377,334/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,505
−HK$10,671/mo
▼ 0.25% · 3.875%
HK$202,802
−HK$5,374/mo
Today · 4.125%
HK$208,176
baseline
▲ 0.50% · 4.625%
HK$219,149
+HK$10,973/mo
Deposit HK$4.33M · loan HK$38.93M · min. income ≈ HK$416,352/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,296 · Scale 2, in force from 26 Feb 2026)