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$98,779
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,851
−HK$3,122/mo
Today · 4.125%
HK$104,973
baseline
▲ 0.50% · 4.625%
HK$111,360
+HK$6,387/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$209,946/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,890
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,837
−HK$2,990/mo
Today · 4.125%
HK$115,827
baseline
▲ 0.50% · 4.625%
HK$121,933
+HK$6,106/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$231,654/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,534
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$122,222
−HK$3,746/mo
Today · 4.125%
HK$125,968
baseline
▲ 0.50% · 4.625%
HK$133,632
+HK$7,664/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$251,936/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,868
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,405
−HK$3,588/mo
Today · 4.125%
HK$138,993
baseline
▲ 0.50% · 4.625%
HK$146,319
+HK$7,326/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$277,986/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,290
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$142,592
−HK$4,370/mo
Today · 4.125%
HK$146,962
baseline
▲ 0.50% · 4.625%
HK$155,904
+HK$8,942/mo
Deposit HK$13.00M · loan HK$30.32M · min. income ≈ HK$293,924/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,846
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$157,972
−HK$4,186/mo
Today · 4.125%
HK$162,158
baseline
▲ 0.50% · 4.625%
HK$170,706
+HK$8,548/mo
Deposit HK$13.00M · loan HK$30.32M · min. income ≈ HK$324,316/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,802
−HK$11,149/mo
▼ 0.25% · 3.875%
HK$183,332
−HK$5,619/mo
Today · 4.125%
HK$188,951
baseline
▲ 0.50% · 4.625%
HK$200,449
+HK$11,498/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$377,902/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,803
−HK$10,686/mo
▼ 0.25% · 3.875%
HK$203,107
−HK$5,382/mo
Today · 4.125%
HK$208,489
baseline
▲ 0.50% · 4.625%
HK$219,479
+HK$10,990/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$416,978/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,063 · Scale 2, in force from 26 Feb 2026)