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$98,032
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,081
−HK$3,099/mo
Today · 4.125%
HK$104,180
baseline
▲ 0.50% · 4.625%
HK$110,519
+HK$6,339/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$208,360/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,060
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,985
−HK$2,967/mo
Today · 4.125%
HK$114,952
baseline
▲ 0.50% · 4.625%
HK$121,011
+HK$6,059/mo
Deposit HK$21.50M · loan HK$21.50M · min. income ≈ HK$229,904/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,827,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,638
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$121,298
−HK$3,717/mo
Today · 4.125%
HK$125,015
baseline
▲ 0.50% · 4.625%
HK$132,622
+HK$7,607/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$250,030/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,827,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,872
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$134,382
−HK$3,560/mo
Today · 4.125%
HK$137,942
baseline
▲ 0.50% · 4.625%
HK$145,213
+HK$7,271/mo
Deposit HK$17.20M · loan HK$25.80M · min. income ≈ HK$275,884/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,827,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,245
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$141,514
−HK$4,337/mo
Today · 4.125%
HK$145,851
baseline
▲ 0.50% · 4.625%
HK$154,726
+HK$8,875/mo
Deposit HK$12.90M · loan HK$30.09M · min. income ≈ HK$291,702/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,827,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,684
−HK$8,249/mo
▼ 0.25% · 3.875%
HK$156,778
−HK$4,155/mo
Today · 4.125%
HK$160,933
baseline
▲ 0.50% · 4.625%
HK$169,416
+HK$8,483/mo
Deposit HK$12.90M · loan HK$30.09M · min. income ≈ HK$321,866/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,827,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,458
−HK$11,065/mo
▼ 0.25% · 3.875%
HK$181,947
−HK$5,576/mo
Today · 4.125%
HK$187,523
baseline
▲ 0.50% · 4.625%
HK$198,934
+HK$11,411/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$375,046/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,307
−HK$10,606/mo
▼ 0.25% · 3.875%
HK$201,572
−HK$5,341/mo
Today · 4.125%
HK$206,913
baseline
▲ 0.50% · 4.625%
HK$217,820
+HK$10,907/mo
Deposit HK$4.30M · loan HK$38.69M · min. income ≈ HK$413,826/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,827,147 · Scale 2, in force from 26 Feb 2026)