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$98,498
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,562
−HK$3,113/mo
Today · 4.125%
HK$104,675
baseline
▲ 0.50% · 4.625%
HK$111,044
+HK$6,369/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,350/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,578
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,517
−HK$2,981/mo
Today · 4.125%
HK$115,498
baseline
▲ 0.50% · 4.625%
HK$121,586
+HK$6,088/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$230,996/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,197
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,874
−HK$3,735/mo
Today · 4.125%
HK$125,609
baseline
▲ 0.50% · 4.625%
HK$133,252
+HK$7,643/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,218/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,493
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,020
−HK$3,578/mo
Today · 4.125%
HK$138,598
baseline
▲ 0.50% · 4.625%
HK$145,903
+HK$7,305/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,196/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,897
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$142,186
−HK$4,358/mo
Today · 4.125%
HK$146,544
baseline
▲ 0.50% · 4.625%
HK$155,461
+HK$8,917/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,088/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,409
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,523
−HK$4,174/mo
Today · 4.125%
HK$161,697
baseline
▲ 0.50% · 4.625%
HK$170,220
+HK$8,523/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,394/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,296
−HK$11,118/mo
▼ 0.25% · 3.875%
HK$182,811
−HK$5,603/mo
Today · 4.125%
HK$188,414
baseline
▲ 0.50% · 4.625%
HK$199,879
+HK$11,465/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,828/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,240
−HK$10,656/mo
▼ 0.25% · 3.875%
HK$202,530
−HK$5,366/mo
Today · 4.125%
HK$207,896
baseline
▲ 0.50% · 4.625%
HK$218,855
+HK$10,959/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,792/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,828 · Scale 2, in force from 26 Feb 2026)