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$98,729
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,800
−HK$3,120/mo
Today · 4.125%
HK$104,920
baseline
▲ 0.50% · 4.625%
HK$111,304
+HK$6,384/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$209,840/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,840,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,835
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,780
−HK$2,989/mo
Today · 4.125%
HK$115,769
baseline
▲ 0.50% · 4.625%
HK$121,871
+HK$6,102/mo
Deposit HK$21.65M · loan HK$21.65M · min. income ≈ HK$231,538/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$1,840,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,474
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$122,160
−HK$3,744/mo
Today · 4.125%
HK$125,904
baseline
▲ 0.50% · 4.625%
HK$133,565
+HK$7,661/mo
Deposit HK$17.32M · loan HK$25.98M · min. income ≈ HK$251,808/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,840,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,802
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$135,337
−HK$3,586/mo
Today · 4.125%
HK$138,923
baseline
▲ 0.50% · 4.625%
HK$146,245
+HK$7,322/mo
Deposit HK$17.32M · loan HK$25.98M · min. income ≈ HK$277,846/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,840,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,220
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$142,520
−HK$4,368/mo
Today · 4.125%
HK$146,888
baseline
▲ 0.50% · 4.625%
HK$155,826
+HK$8,938/mo
Deposit HK$12.99M · loan HK$30.31M · min. income ≈ HK$293,776/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,840,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,769
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$157,893
−HK$4,183/mo
Today · 4.125%
HK$162,076
baseline
▲ 0.50% · 4.625%
HK$170,620
+HK$8,544/mo
Deposit HK$12.99M · loan HK$30.31M · min. income ≈ HK$324,152/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,840,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,712
−HK$11,144/mo
▼ 0.25% · 3.875%
HK$183,240
−HK$5,616/mo
Today · 4.125%
HK$188,856
baseline
▲ 0.50% · 4.625%
HK$200,347
+HK$11,491/mo
Deposit HK$4.33M · loan HK$38.97M · min. income ≈ HK$377,712/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,840,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,703
−HK$10,681/mo
▼ 0.25% · 3.875%
HK$203,005
−HK$5,379/mo
Today · 4.125%
HK$208,384
baseline
▲ 0.50% · 4.625%
HK$219,368
+HK$10,984/mo
Deposit HK$4.33M · loan HK$38.97M · min. income ≈ HK$416,768/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,840,132 · Scale 2, in force from 26 Feb 2026)