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$98,007
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,055
−HK$3,098/mo
Today · 4.125%
HK$104,153
baseline
▲ 0.50% · 4.625%
HK$110,490
+HK$6,337/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$208,306/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,826,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,031
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,956
−HK$2,966/mo
Today · 4.125%
HK$114,922
baseline
▲ 0.50% · 4.625%
HK$120,980
+HK$6,058/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$229,844/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,826,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,608
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$121,266
−HK$3,717/mo
Today · 4.125%
HK$124,983
baseline
▲ 0.50% · 4.625%
HK$132,588
+HK$7,605/mo
Deposit HK$17.19M · loan HK$25.79M · min. income ≈ HK$249,966/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,838
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$134,347
−HK$3,559/mo
Today · 4.125%
HK$137,906
baseline
▲ 0.50% · 4.625%
HK$145,176
+HK$7,270/mo
Deposit HK$17.19M · loan HK$25.79M · min. income ≈ HK$275,812/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,209
−HK$8,605/mo
▼ 0.25% · 3.875%
HK$141,477
−HK$4,337/mo
Today · 4.125%
HK$145,814
baseline
▲ 0.50% · 4.625%
HK$154,686
+HK$8,872/mo
Deposit HK$12.89M · loan HK$30.09M · min. income ≈ HK$291,628/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,644
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$156,738
−HK$4,153/mo
Today · 4.125%
HK$160,891
baseline
▲ 0.50% · 4.625%
HK$169,372
+HK$8,481/mo
Deposit HK$12.89M · loan HK$30.09M · min. income ≈ HK$321,782/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,412
−HK$11,063/mo
▼ 0.25% · 3.875%
HK$181,899
−HK$5,576/mo
Today · 4.125%
HK$187,475
baseline
▲ 0.50% · 4.625%
HK$198,882
+HK$11,407/mo
Deposit HK$4.30M · loan HK$38.68M · min. income ≈ HK$374,950/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,257
−HK$10,603/mo
▼ 0.25% · 3.875%
HK$201,520
−HK$5,340/mo
Today · 4.125%
HK$206,860
baseline
▲ 0.50% · 4.625%
HK$217,764
+HK$10,904/mo
Deposit HK$4.30M · loan HK$38.68M · min. income ≈ HK$413,720/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,674 · Scale 2, in force from 26 Feb 2026)