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$98,267
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,323
−HK$3,106/mo
Today · 4.125%
HK$104,429
baseline
▲ 0.50% · 4.625%
HK$110,783
+HK$6,354/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,858/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,321
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,253
−HK$2,974/mo
Today · 4.125%
HK$115,227
baseline
▲ 0.50% · 4.625%
HK$121,301
+HK$6,074/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,454/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,920
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,588
−HK$3,727/mo
Today · 4.125%
HK$125,315
baseline
▲ 0.50% · 4.625%
HK$132,940
+HK$7,625/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,630/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,185
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,703
−HK$3,569/mo
Today · 4.125%
HK$138,272
baseline
▲ 0.50% · 4.625%
HK$145,561
+HK$7,289/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,544/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,573
−HK$8,627/mo
▼ 0.25% · 3.875%
HK$141,853
−HK$4,347/mo
Today · 4.125%
HK$146,200
baseline
▲ 0.50% · 4.625%
HK$155,096
+HK$8,896/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,400/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,049
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$157,154
−HK$4,164/mo
Today · 4.125%
HK$161,318
baseline
▲ 0.50% · 4.625%
HK$169,821
+HK$8,503/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,636/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,880
−HK$11,092/mo
▼ 0.25% · 3.875%
HK$182,382
−HK$5,590/mo
Today · 4.125%
HK$187,972
baseline
▲ 0.50% · 4.625%
HK$199,410
+HK$11,438/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$375,944/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,777
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$202,055
−HK$5,354/mo
Today · 4.125%
HK$207,409
baseline
▲ 0.50% · 4.625%
HK$218,341
+HK$10,932/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,818/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,520 · Scale 2, in force from 26 Feb 2026)