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$98,652
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,720
−HK$3,118/mo
Today · 4.125%
HK$104,838
baseline
▲ 0.50% · 4.625%
HK$111,217
+HK$6,379/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$209,676/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,749
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,692
−HK$2,986/mo
Today · 4.125%
HK$115,678
baseline
▲ 0.50% · 4.625%
HK$121,776
+HK$6,098/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$231,356/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,382
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$122,064
−HK$3,742/mo
Today · 4.125%
HK$125,806
baseline
▲ 0.50% · 4.625%
HK$133,461
+HK$7,655/mo
Deposit HK$17.31M · loan HK$25.96M · min. income ≈ HK$251,612/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,699
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$135,231
−HK$3,583/mo
Today · 4.125%
HK$138,814
baseline
▲ 0.50% · 4.625%
HK$146,131
+HK$7,317/mo
Deposit HK$17.31M · loan HK$25.96M · min. income ≈ HK$277,628/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,112
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,408
−HK$4,365/mo
Today · 4.125%
HK$146,773
baseline
▲ 0.50% · 4.625%
HK$155,704
+HK$8,931/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$293,546/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,649
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,769
−HK$4,181/mo
Today · 4.125%
HK$161,950
baseline
▲ 0.50% · 4.625%
HK$170,486
+HK$8,536/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$323,900/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,573
−HK$11,135/mo
▼ 0.25% · 3.875%
HK$183,097
−HK$5,611/mo
Today · 4.125%
HK$188,708
baseline
▲ 0.50% · 4.625%
HK$200,191
+HK$11,483/mo
Deposit HK$4.33M · loan HK$38.94M · min. income ≈ HK$377,416/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,838,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,548
−HK$10,673/mo
▼ 0.25% · 3.875%
HK$202,846
−HK$5,375/mo
Today · 4.125%
HK$208,221
baseline
▲ 0.50% · 4.625%
HK$219,197
+HK$10,976/mo
Deposit HK$4.33M · loan HK$38.94M · min. income ≈ HK$416,442/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,838,696 · Scale 2, in force from 26 Feb 2026)