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$98,167
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,220
−HK$3,103/mo
Today · 4.125%
HK$104,323
baseline
▲ 0.50% · 4.625%
HK$110,670
+HK$6,347/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,646/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,829,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,210
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,138
−HK$2,972/mo
Today · 4.125%
HK$115,110
baseline
▲ 0.50% · 4.625%
HK$121,177
+HK$6,067/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,220/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,829,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,800
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,464
−HK$3,723/mo
Today · 4.125%
HK$125,187
baseline
▲ 0.50% · 4.625%
HK$132,805
+HK$7,618/mo
Deposit HK$17.22M · loan HK$25.83M · min. income ≈ HK$250,374/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,051
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,566
−HK$3,566/mo
Today · 4.125%
HK$138,132
baseline
▲ 0.50% · 4.625%
HK$145,413
+HK$7,281/mo
Deposit HK$17.22M · loan HK$25.83M · min. income ≈ HK$276,264/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,433
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$141,708
−HK$4,344/mo
Today · 4.125%
HK$146,052
baseline
▲ 0.50% · 4.625%
HK$154,939
+HK$8,887/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$292,104/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,893
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$156,994
−HK$4,160/mo
Today · 4.125%
HK$161,154
baseline
▲ 0.50% · 4.625%
HK$169,648
+HK$8,494/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$322,308/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,700
−HK$11,081/mo
▼ 0.25% · 3.875%
HK$182,196
−HK$5,585/mo
Today · 4.125%
HK$187,781
baseline
▲ 0.50% · 4.625%
HK$199,207
+HK$11,426/mo
Deposit HK$4.31M · loan HK$38.75M · min. income ≈ HK$375,562/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,577
−HK$10,621/mo
▼ 0.25% · 3.875%
HK$201,849
−HK$5,349/mo
Today · 4.125%
HK$207,198
baseline
▲ 0.50% · 4.625%
HK$218,119
+HK$10,921/mo
Deposit HK$4.31M · loan HK$38.75M · min. income ≈ HK$414,396/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,657 · Scale 2, in force from 26 Feb 2026)