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$98,132
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,185
−HK$3,101/mo
Today · 4.125%
HK$104,286
baseline
▲ 0.50% · 4.625%
HK$110,632
+HK$6,346/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,572/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,171
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,099
−HK$2,970/mo
Today · 4.125%
HK$115,069
baseline
▲ 0.50% · 4.625%
HK$121,135
+HK$6,066/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,138/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,759
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,422
−HK$3,721/mo
Today · 4.125%
HK$125,143
baseline
▲ 0.50% · 4.625%
HK$132,758
+HK$7,615/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,286/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,829,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,005
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,519
−HK$3,564/mo
Today · 4.125%
HK$138,083
baseline
▲ 0.50% · 4.625%
HK$145,362
+HK$7,279/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,166/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,829,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,385
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$141,659
−HK$4,342/mo
Today · 4.125%
HK$146,001
baseline
▲ 0.50% · 4.625%
HK$154,884
+HK$8,883/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$292,002/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,840
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,939
−HK$4,158/mo
Today · 4.125%
HK$161,097
baseline
▲ 0.50% · 4.625%
HK$169,589
+HK$8,492/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,194/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,638
−HK$11,077/mo
▼ 0.25% · 3.875%
HK$182,133
−HK$5,582/mo
Today · 4.125%
HK$187,715
baseline
▲ 0.50% · 4.625%
HK$199,137
+HK$11,422/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,430/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,508
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$201,778
−HK$5,347/mo
Today · 4.125%
HK$207,125
baseline
▲ 0.50% · 4.625%
HK$218,043
+HK$10,918/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,250/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,016 · Scale 2, in force from 26 Feb 2026)