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$98,126
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,178
−HK$3,101/mo
Today · 4.125%
HK$104,279
baseline
▲ 0.50% · 4.625%
HK$110,625
+HK$6,346/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,558/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,828,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,164
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,092
−HK$2,970/mo
Today · 4.125%
HK$115,062
baseline
▲ 0.50% · 4.625%
HK$121,127
+HK$6,065/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,124/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,828,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,751
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,414
−HK$3,721/mo
Today · 4.125%
HK$125,135
baseline
▲ 0.50% · 4.625%
HK$132,749
+HK$7,614/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,270/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,997
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,510
−HK$3,564/mo
Today · 4.125%
HK$138,074
baseline
▲ 0.50% · 4.625%
HK$145,353
+HK$7,279/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,148/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,376
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,650
−HK$4,341/mo
Today · 4.125%
HK$145,991
baseline
▲ 0.50% · 4.625%
HK$154,874
+HK$8,883/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$291,982/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,830
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,929
−HK$4,158/mo
Today · 4.125%
HK$161,087
baseline
▲ 0.50% · 4.625%
HK$169,578
+HK$8,491/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,174/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,627
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$182,121
−HK$5,582/mo
Today · 4.125%
HK$187,703
baseline
▲ 0.50% · 4.625%
HK$199,124
+HK$11,421/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,406/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,496
−HK$10,616/mo
▼ 0.25% · 3.875%
HK$201,766
−HK$5,346/mo
Today · 4.125%
HK$207,112
baseline
▲ 0.50% · 4.625%
HK$218,029
+HK$10,917/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,224/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,898 · Scale 2, in force from 26 Feb 2026)