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$99,431
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,523
−HK$3,143/mo
Today · 4.125%
HK$105,666
baseline
▲ 0.50% · 4.625%
HK$112,095
+HK$6,429/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,332/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,616
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,582
−HK$3,010/mo
Today · 4.125%
HK$116,592
baseline
▲ 0.50% · 4.625%
HK$122,737
+HK$6,145/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,184/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$1,853,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,317
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,028
−HK$3,771/mo
Today · 4.125%
HK$126,799
baseline
▲ 0.50% · 4.625%
HK$134,514
+HK$7,715/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$253,598/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,739
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,299
−HK$3,611/mo
Today · 4.125%
HK$139,910
baseline
▲ 0.50% · 4.625%
HK$147,285
+HK$7,375/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$279,820/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,203
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$143,533
−HK$4,399/mo
Today · 4.125%
HK$147,932
baseline
▲ 0.50% · 4.625%
HK$156,933
+HK$9,001/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$295,864/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,853,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,862
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$159,015
−HK$4,213/mo
Today · 4.125%
HK$163,228
baseline
▲ 0.50% · 4.625%
HK$171,832
+HK$8,604/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$326,456/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,853,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,975
−HK$11,223/mo
▼ 0.25% · 3.875%
HK$184,542
−HK$5,656/mo
Today · 4.125%
HK$190,198
baseline
▲ 0.50% · 4.625%
HK$201,771
+HK$11,573/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$380,396/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,108
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$204,448
−HK$5,417/mo
Today · 4.125%
HK$209,865
baseline
▲ 0.50% · 4.625%
HK$220,927
+HK$11,062/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$419,730/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,213 · Scale 2, in force from 26 Feb 2026)