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$98,241
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,297
−HK$3,105/mo
Today · 4.125%
HK$104,402
baseline
▲ 0.50% · 4.625%
HK$110,754
+HK$6,352/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,804/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,831,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,292
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,224
−HK$2,973/mo
Today · 4.125%
HK$115,197
baseline
▲ 0.50% · 4.625%
HK$121,269
+HK$6,072/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,394/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,831,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,890
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,557
−HK$3,725/mo
Today · 4.125%
HK$125,282
baseline
▲ 0.50% · 4.625%
HK$132,905
+HK$7,623/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$250,564/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,831,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,151
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,668
−HK$3,569/mo
Today · 4.125%
HK$138,237
baseline
▲ 0.50% · 4.625%
HK$145,523
+HK$7,286/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$276,474/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,831,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,538
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$141,816
−HK$4,347/mo
Today · 4.125%
HK$146,163
baseline
▲ 0.50% · 4.625%
HK$155,056
+HK$8,893/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$292,326/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,009
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$157,113
−HK$4,163/mo
Today · 4.125%
HK$161,276
baseline
▲ 0.50% · 4.625%
HK$169,777
+HK$8,501/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$322,552/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,834
−HK$11,089/mo
▼ 0.25% · 3.875%
HK$182,335
−HK$5,588/mo
Today · 4.125%
HK$187,923
baseline
▲ 0.50% · 4.625%
HK$199,358
+HK$11,435/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$375,846/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,726
−HK$10,629/mo
▼ 0.25% · 3.875%
HK$202,002
−HK$5,353/mo
Today · 4.125%
HK$207,355
baseline
▲ 0.50% · 4.625%
HK$218,285
+HK$10,930/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$414,710/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,046 · Scale 2, in force from 26 Feb 2026)