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$98,051
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,101
−HK$3,099/mo
Today · 4.125%
HK$104,200
baseline
▲ 0.50% · 4.625%
HK$110,540
+HK$6,340/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,400/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,081
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,007
−HK$2,968/mo
Today · 4.125%
HK$114,975
baseline
▲ 0.50% · 4.625%
HK$121,035
+HK$6,060/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,950/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,827,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,662
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,322
−HK$3,718/mo
Today · 4.125%
HK$125,040
baseline
▲ 0.50% · 4.625%
HK$132,649
+HK$7,609/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,080/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,897
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,408
−HK$3,561/mo
Today · 4.125%
HK$137,969
baseline
▲ 0.50% · 4.625%
HK$145,242
+HK$7,273/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,938/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,827,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,272
−HK$8,608/mo
▼ 0.25% · 3.875%
HK$141,542
−HK$4,338/mo
Today · 4.125%
HK$145,880
baseline
▲ 0.50% · 4.625%
HK$154,757
+HK$8,877/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$291,760/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,714
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$156,809
−HK$4,155/mo
Today · 4.125%
HK$160,964
baseline
▲ 0.50% · 4.625%
HK$169,449
+HK$8,485/mo
Deposit HK$12.90M · loan HK$30.10M · min. income ≈ HK$321,928/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,827,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,493
−HK$11,067/mo
▼ 0.25% · 3.875%
HK$181,983
−HK$5,577/mo
Today · 4.125%
HK$187,560
baseline
▲ 0.50% · 4.625%
HK$198,973
+HK$11,413/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$375,120/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,346
−HK$10,608/mo
▼ 0.25% · 3.875%
HK$201,612
−HK$5,342/mo
Today · 4.125%
HK$206,954
baseline
▲ 0.50% · 4.625%
HK$217,863
+HK$10,909/mo
Deposit HK$4.30M · loan HK$38.70M · min. income ≈ HK$413,908/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,508 · Scale 2, in force from 26 Feb 2026)