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$98,575
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,642
−HK$3,115/mo
Today · 4.125%
HK$104,757
baseline
▲ 0.50% · 4.625%
HK$111,131
+HK$6,374/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$209,514/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,837,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,664
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,605
−HK$2,984/mo
Today · 4.125%
HK$115,589
baseline
▲ 0.50% · 4.625%
HK$121,682
+HK$6,093/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$231,178/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,837,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,290
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$121,970
−HK$3,738/mo
Today · 4.125%
HK$125,708
baseline
▲ 0.50% · 4.625%
HK$133,357
+HK$7,649/mo
Deposit HK$17.29M · loan HK$25.94M · min. income ≈ HK$251,416/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,837,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,597
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$135,126
−HK$3,581/mo
Today · 4.125%
HK$138,707
baseline
▲ 0.50% · 4.625%
HK$146,018
+HK$7,311/mo
Deposit HK$17.29M · loan HK$25.94M · min. income ≈ HK$277,414/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,837,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,005
−HK$8,655/mo
▼ 0.25% · 3.875%
HK$142,298
−HK$4,362/mo
Today · 4.125%
HK$146,660
baseline
▲ 0.50% · 4.625%
HK$155,584
+HK$8,924/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$293,320/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,837,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,530
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,647
−HK$4,177/mo
Today · 4.125%
HK$161,824
baseline
▲ 0.50% · 4.625%
HK$170,354
+HK$8,530/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$323,648/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,837,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,436
−HK$11,126/mo
▼ 0.25% · 3.875%
HK$182,955
−HK$5,607/mo
Today · 4.125%
HK$188,562
baseline
▲ 0.50% · 4.625%
HK$200,036
+HK$11,474/mo
Deposit HK$4.32M · loan HK$38.91M · min. income ≈ HK$377,124/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,837,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,395
−HK$10,665/mo
▼ 0.25% · 3.875%
HK$202,689
−HK$5,371/mo
Today · 4.125%
HK$208,060
baseline
▲ 0.50% · 4.625%
HK$219,027
+HK$10,967/mo
Deposit HK$4.32M · loan HK$38.91M · min. income ≈ HK$416,120/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,837,273 · Scale 2, in force from 26 Feb 2026)