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$98,082
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,133
−HK$3,100/mo
Today · 4.125%
HK$104,233
baseline
▲ 0.50% · 4.625%
HK$110,575
+HK$6,342/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$208,466/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,828,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,115
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,042
−HK$2,969/mo
Today · 4.125%
HK$115,011
baseline
▲ 0.50% · 4.625%
HK$121,073
+HK$6,062/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$230,022/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$1,828,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,699
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$121,360
−HK$3,719/mo
Today · 4.125%
HK$125,079
baseline
▲ 0.50% · 4.625%
HK$132,690
+HK$7,611/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$250,158/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,828,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,939
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$134,450
−HK$3,563/mo
Today · 4.125%
HK$138,013
baseline
▲ 0.50% · 4.625%
HK$145,288
+HK$7,275/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$276,026/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,828,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,315
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$141,586
−HK$4,340/mo
Today · 4.125%
HK$145,926
baseline
▲ 0.50% · 4.625%
HK$154,805
+HK$8,879/mo
Deposit HK$12.90M · loan HK$30.11M · min. income ≈ HK$291,852/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,828,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,762
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$156,859
−HK$4,156/mo
Today · 4.125%
HK$161,015
baseline
▲ 0.50% · 4.625%
HK$169,502
+HK$8,487/mo
Deposit HK$12.90M · loan HK$30.11M · min. income ≈ HK$322,030/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,828,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,548
−HK$11,071/mo
▼ 0.25% · 3.875%
HK$182,040
−HK$5,579/mo
Today · 4.125%
HK$187,619
baseline
▲ 0.50% · 4.625%
HK$199,035
+HK$11,416/mo
Deposit HK$4.30M · loan HK$38.71M · min. income ≈ HK$375,238/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,408
−HK$10,611/mo
▼ 0.25% · 3.875%
HK$201,675
−HK$5,344/mo
Today · 4.125%
HK$207,019
baseline
▲ 0.50% · 4.625%
HK$217,931
+HK$10,912/mo
Deposit HK$4.30M · loan HK$38.71M · min. income ≈ HK$414,038/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,081 · Scale 2, in force from 26 Feb 2026)