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$98,666
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,735
−HK$3,118/mo
Today · 4.125%
HK$104,853
baseline
▲ 0.50% · 4.625%
HK$111,233
+HK$6,380/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$209,706/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,765
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,709
−HK$2,986/mo
Today · 4.125%
HK$115,695
baseline
▲ 0.50% · 4.625%
HK$121,794
+HK$6,099/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$231,390/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,399
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,082
−HK$3,742/mo
Today · 4.125%
HK$125,824
baseline
▲ 0.50% · 4.625%
HK$133,480
+HK$7,656/mo
Deposit HK$17.31M · loan HK$25.96M · min. income ≈ HK$251,648/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,838,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,718
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,251
−HK$3,583/mo
Today · 4.125%
HK$138,834
baseline
▲ 0.50% · 4.625%
HK$146,152
+HK$7,318/mo
Deposit HK$17.31M · loan HK$25.96M · min. income ≈ HK$277,668/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,838,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,132
−HK$8,663/mo
▼ 0.25% · 3.875%
HK$142,429
−HK$4,366/mo
Today · 4.125%
HK$146,795
baseline
▲ 0.50% · 4.625%
HK$155,727
+HK$8,932/mo
Deposit HK$12.98M · loan HK$30.29M · min. income ≈ HK$293,590/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,671
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$157,792
−HK$4,181/mo
Today · 4.125%
HK$161,973
baseline
▲ 0.50% · 4.625%
HK$170,511
+HK$8,538/mo
Deposit HK$12.98M · loan HK$30.29M · min. income ≈ HK$323,946/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,599
−HK$11,137/mo
▼ 0.25% · 3.875%
HK$183,123
−HK$5,613/mo
Today · 4.125%
HK$188,736
baseline
▲ 0.50% · 4.625%
HK$200,220
+HK$11,484/mo
Deposit HK$4.33M · loan HK$38.94M · min. income ≈ HK$377,472/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,838,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,577
−HK$10,674/mo
▼ 0.25% · 3.875%
HK$202,876
−HK$5,375/mo
Today · 4.125%
HK$208,251
baseline
▲ 0.50% · 4.625%
HK$219,229
+HK$10,978/mo
Deposit HK$4.33M · loan HK$38.94M · min. income ≈ HK$416,502/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,838,964 · Scale 2, in force from 26 Feb 2026)