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$98,100
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,152
−HK$3,100/mo
Today · 4.125%
HK$104,252
baseline
▲ 0.50% · 4.625%
HK$110,595
+HK$6,343/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$208,504/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,135
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,062
−HK$2,970/mo
Today · 4.125%
HK$115,032
baseline
▲ 0.50% · 4.625%
HK$121,095
+HK$6,063/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$230,064/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,720
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$121,382
−HK$3,720/mo
Today · 4.125%
HK$125,102
baseline
▲ 0.50% · 4.625%
HK$132,714
+HK$7,612/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$250,204/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,962
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$134,475
−HK$3,563/mo
Today · 4.125%
HK$138,038
baseline
▲ 0.50% · 4.625%
HK$145,314
+HK$7,276/mo
Deposit HK$17.21M · loan HK$25.81M · min. income ≈ HK$276,076/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,340
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$141,612
−HK$4,341/mo
Today · 4.125%
HK$145,953
baseline
▲ 0.50% · 4.625%
HK$154,833
+HK$8,880/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$291,906/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,828,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,790
−HK$8,254/mo
▼ 0.25% · 3.875%
HK$156,887
−HK$4,157/mo
Today · 4.125%
HK$161,044
baseline
▲ 0.50% · 4.625%
HK$169,533
+HK$8,489/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,088/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,828,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,580
−HK$11,073/mo
▼ 0.25% · 3.875%
HK$182,073
−HK$5,580/mo
Today · 4.125%
HK$187,653
baseline
▲ 0.50% · 4.625%
HK$199,072
+HK$11,419/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$375,306/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,444
−HK$10,613/mo
▼ 0.25% · 3.875%
HK$201,712
−HK$5,345/mo
Today · 4.125%
HK$207,057
baseline
▲ 0.50% · 4.625%
HK$217,971
+HK$10,914/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$414,114/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,415 · Scale 2, in force from 26 Feb 2026)