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$98,260
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,316
−HK$3,105/mo
Today · 4.125%
HK$104,421
baseline
▲ 0.50% · 4.625%
HK$110,775
+HK$6,354/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,842/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,313
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,245
−HK$2,974/mo
Today · 4.125%
HK$115,219
baseline
▲ 0.50% · 4.625%
HK$121,292
+HK$6,073/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,438/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,912
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,579
−HK$3,727/mo
Today · 4.125%
HK$125,306
baseline
▲ 0.50% · 4.625%
HK$132,930
+HK$7,624/mo
Deposit HK$17.24M · loan HK$25.85M · min. income ≈ HK$250,612/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,175
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,693
−HK$3,569/mo
Today · 4.125%
HK$138,262
baseline
▲ 0.50% · 4.625%
HK$145,550
+HK$7,288/mo
Deposit HK$17.24M · loan HK$25.85M · min. income ≈ HK$276,524/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,564
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$141,843
−HK$4,347/mo
Today · 4.125%
HK$146,190
baseline
▲ 0.50% · 4.625%
HK$155,085
+HK$8,895/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$292,380/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,038
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$157,142
−HK$4,164/mo
Today · 4.125%
HK$161,306
baseline
▲ 0.50% · 4.625%
HK$169,809
+HK$8,503/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$322,612/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,867
−HK$11,091/mo
▼ 0.25% · 3.875%
HK$182,369
−HK$5,589/mo
Today · 4.125%
HK$187,958
baseline
▲ 0.50% · 4.625%
HK$199,395
+HK$11,437/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$375,916/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,763
−HK$10,631/mo
▼ 0.25% · 3.875%
HK$202,040
−HK$5,354/mo
Today · 4.125%
HK$207,394
baseline
▲ 0.50% · 4.625%
HK$218,326
+HK$10,932/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$414,788/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,389 · Scale 2, in force from 26 Feb 2026)