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$98,447
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,509
−HK$3,111/mo
Today · 4.125%
HK$104,620
baseline
▲ 0.50% · 4.625%
HK$110,986
+HK$6,366/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$209,240/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$1,834,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,521
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,458
−HK$2,980/mo
Today · 4.125%
HK$115,438
baseline
▲ 0.50% · 4.625%
HK$121,523
+HK$6,085/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$230,876/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$1,834,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,136
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,811
−HK$3,733/mo
Today · 4.125%
HK$125,544
baseline
▲ 0.50% · 4.625%
HK$133,183
+HK$7,639/mo
Deposit HK$17.27M · loan HK$25.90M · min. income ≈ HK$251,088/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,425
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,950
−HK$3,576/mo
Today · 4.125%
HK$138,526
baseline
▲ 0.50% · 4.625%
HK$145,827
+HK$7,301/mo
Deposit HK$17.27M · loan HK$25.90M · min. income ≈ HK$277,052/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,825
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$142,112
−HK$4,356/mo
Today · 4.125%
HK$146,468
baseline
▲ 0.50% · 4.625%
HK$155,380
+HK$8,912/mo
Deposit HK$12.95M · loan HK$30.22M · min. income ≈ HK$292,936/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,834,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,329
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$157,441
−HK$4,172/mo
Today · 4.125%
HK$161,613
baseline
▲ 0.50% · 4.625%
HK$170,132
+HK$8,519/mo
Deposit HK$12.95M · loan HK$30.22M · min. income ≈ HK$323,226/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,834,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,204
−HK$11,112/mo
▼ 0.25% · 3.875%
HK$182,716
−HK$5,600/mo
Today · 4.125%
HK$188,316
baseline
▲ 0.50% · 4.625%
HK$199,775
+HK$11,459/mo
Deposit HK$4.32M · loan HK$38.86M · min. income ≈ HK$376,632/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,138
−HK$10,650/mo
▼ 0.25% · 3.875%
HK$202,425
−HK$5,363/mo
Today · 4.125%
HK$207,788
baseline
▲ 0.50% · 4.625%
HK$218,741
+HK$10,953/mo
Deposit HK$4.32M · loan HK$38.86M · min. income ≈ HK$415,576/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,873 · Scale 2, in force from 26 Feb 2026)