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$98,237
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,292
−HK$3,105/mo
Today · 4.125%
HK$104,397
baseline
▲ 0.50% · 4.625%
HK$110,749
+HK$6,352/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,794/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,287
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,218
−HK$2,974/mo
Today · 4.125%
HK$115,192
baseline
▲ 0.50% · 4.625%
HK$121,264
+HK$6,072/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,384/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,884
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,551
−HK$3,725/mo
Today · 4.125%
HK$125,276
baseline
▲ 0.50% · 4.625%
HK$132,899
+HK$7,623/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$250,552/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,145
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,662
−HK$3,568/mo
Today · 4.125%
HK$138,230
baseline
▲ 0.50% · 4.625%
HK$145,516
+HK$7,286/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$276,460/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,531
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$141,809
−HK$4,347/mo
Today · 4.125%
HK$146,156
baseline
▲ 0.50% · 4.625%
HK$155,049
+HK$8,893/mo
Deposit HK$12.92M · loan HK$30.16M · min. income ≈ HK$292,312/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,830,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,002
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$157,106
−HK$4,162/mo
Today · 4.125%
HK$161,268
baseline
▲ 0.50% · 4.625%
HK$169,769
+HK$8,501/mo
Deposit HK$12.92M · loan HK$30.16M · min. income ≈ HK$322,536/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,830,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,826
−HK$11,088/mo
▼ 0.25% · 3.875%
HK$182,326
−HK$5,588/mo
Today · 4.125%
HK$187,914
baseline
▲ 0.50% · 4.625%
HK$199,349
+HK$11,435/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$375,828/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,717
−HK$10,628/mo
▼ 0.25% · 3.875%
HK$201,993
−HK$5,352/mo
Today · 4.125%
HK$207,345
baseline
▲ 0.50% · 4.625%
HK$218,274
+HK$10,929/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$414,690/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,959 · Scale 2, in force from 26 Feb 2026)