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$98,517
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,581
−HK$3,114/mo
Today · 4.125%
HK$104,695
baseline
▲ 0.50% · 4.625%
HK$111,065
+HK$6,370/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,390/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,599
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,538
−HK$2,982/mo
Today · 4.125%
HK$115,520
baseline
▲ 0.50% · 4.625%
HK$121,609
+HK$6,089/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,040/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,220
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$121,897
−HK$3,737/mo
Today · 4.125%
HK$125,634
baseline
▲ 0.50% · 4.625%
HK$133,278
+HK$7,644/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,268/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,519
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,046
−HK$3,578/mo
Today · 4.125%
HK$138,624
baseline
▲ 0.50% · 4.625%
HK$145,931
+HK$7,307/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,248/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,923
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,214
−HK$4,358/mo
Today · 4.125%
HK$146,572
baseline
▲ 0.50% · 4.625%
HK$155,491
+HK$8,919/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,144/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,438
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,554
−HK$4,174/mo
Today · 4.125%
HK$161,728
baseline
▲ 0.50% · 4.625%
HK$170,253
+HK$8,525/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,456/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,330
−HK$11,120/mo
▼ 0.25% · 3.875%
HK$182,846
−HK$5,604/mo
Today · 4.125%
HK$188,450
baseline
▲ 0.50% · 4.625%
HK$199,917
+HK$11,467/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,900/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,278
−HK$10,658/mo
▼ 0.25% · 3.875%
HK$202,569
−HK$5,367/mo
Today · 4.125%
HK$207,936
baseline
▲ 0.50% · 4.625%
HK$218,897
+HK$10,961/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,872/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,180 · Scale 2, in force from 26 Feb 2026)