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$98,263
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,319
−HK$3,106/mo
Today · 4.125%
HK$104,425
baseline
▲ 0.50% · 4.625%
HK$110,779
+HK$6,354/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,850/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,317
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,248
−HK$2,975/mo
Today · 4.125%
HK$115,223
baseline
▲ 0.50% · 4.625%
HK$121,296
+HK$6,073/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,446/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,916
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,583
−HK$3,727/mo
Today · 4.125%
HK$125,310
baseline
▲ 0.50% · 4.625%
HK$132,935
+HK$7,625/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,620/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,180
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,698
−HK$3,569/mo
Today · 4.125%
HK$138,267
baseline
▲ 0.50% · 4.625%
HK$145,555
+HK$7,288/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,534/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,568
−HK$8,627/mo
▼ 0.25% · 3.875%
HK$141,847
−HK$4,348/mo
Today · 4.125%
HK$146,195
baseline
▲ 0.50% · 4.625%
HK$155,090
+HK$8,895/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,390/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,043
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$157,148
−HK$4,164/mo
Today · 4.125%
HK$161,312
baseline
▲ 0.50% · 4.625%
HK$169,815
+HK$8,503/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,624/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,873
−HK$11,092/mo
▼ 0.25% · 3.875%
HK$182,375
−HK$5,590/mo
Today · 4.125%
HK$187,965
baseline
▲ 0.50% · 4.625%
HK$199,402
+HK$11,437/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$375,930/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,770
−HK$10,631/mo
▼ 0.25% · 3.875%
HK$202,047
−HK$5,354/mo
Today · 4.125%
HK$207,401
baseline
▲ 0.50% · 4.625%
HK$218,333
+HK$10,932/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$414,802/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,450 · Scale 2, in force from 26 Feb 2026)