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$98,415
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,476
−HK$3,111/mo
Today · 4.125%
HK$104,587
baseline
▲ 0.50% · 4.625%
HK$110,950
+HK$6,363/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$209,174/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,834,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,486
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$112,422
−HK$2,979/mo
Today · 4.125%
HK$115,401
baseline
▲ 0.50% · 4.625%
HK$121,484
+HK$6,083/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$230,802/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,834,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,098
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$121,772
−HK$3,732/mo
Today · 4.125%
HK$125,504
baseline
▲ 0.50% · 4.625%
HK$133,141
+HK$7,637/mo
Deposit HK$17.26M · loan HK$25.90M · min. income ≈ HK$251,008/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,383
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$134,907
−HK$3,574/mo
Today · 4.125%
HK$138,481
baseline
▲ 0.50% · 4.625%
HK$145,781
+HK$7,300/mo
Deposit HK$17.26M · loan HK$25.90M · min. income ≈ HK$276,962/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,781
−HK$8,640/mo
▼ 0.25% · 3.875%
HK$142,067
−HK$4,354/mo
Today · 4.125%
HK$146,421
baseline
▲ 0.50% · 4.625%
HK$155,331
+HK$8,910/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$292,842/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,834,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,280
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$157,391
−HK$4,170/mo
Today · 4.125%
HK$161,561
baseline
▲ 0.50% · 4.625%
HK$170,078
+HK$8,517/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$323,122/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,834,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,147
−HK$11,109/mo
▼ 0.25% · 3.875%
HK$182,657
−HK$5,599/mo
Today · 4.125%
HK$188,256
baseline
▲ 0.50% · 4.625%
HK$199,711
+HK$11,455/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$376,512/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,074
−HK$10,648/mo
▼ 0.25% · 3.875%
HK$202,360
−HK$5,362/mo
Today · 4.125%
HK$207,722
baseline
▲ 0.50% · 4.625%
HK$218,671
+HK$10,949/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$415,444/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,286 · Scale 2, in force from 26 Feb 2026)