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$98,289
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,346
−HK$3,107/mo
Today · 4.125%
HK$104,453
baseline
▲ 0.50% · 4.625%
HK$110,808
+HK$6,355/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,906/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,345
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,278
−HK$2,975/mo
Today · 4.125%
HK$115,253
baseline
▲ 0.50% · 4.625%
HK$121,328
+HK$6,075/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,506/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,947
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,616
−HK$3,727/mo
Today · 4.125%
HK$125,343
baseline
▲ 0.50% · 4.625%
HK$132,970
+HK$7,627/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,686/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,215
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,734
−HK$3,570/mo
Today · 4.125%
HK$138,304
baseline
▲ 0.50% · 4.625%
HK$145,594
+HK$7,290/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,608/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,605
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,885
−HK$4,349/mo
Today · 4.125%
HK$146,234
baseline
▲ 0.50% · 4.625%
HK$155,131
+HK$8,897/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,468/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,084
−HK$8,270/mo
▼ 0.25% · 3.875%
HK$157,189
−HK$4,165/mo
Today · 4.125%
HK$161,354
baseline
▲ 0.50% · 4.625%
HK$169,859
+HK$8,505/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,708/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,920
−HK$11,095/mo
▼ 0.25% · 3.875%
HK$182,423
−HK$5,592/mo
Today · 4.125%
HK$188,015
baseline
▲ 0.50% · 4.625%
HK$199,455
+HK$11,440/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$376,030/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,822
−HK$10,633/mo
▼ 0.25% · 3.875%
HK$202,100
−HK$5,355/mo
Today · 4.125%
HK$207,455
baseline
▲ 0.50% · 4.625%
HK$218,391
+HK$10,936/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,910/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,935 · Scale 2, in force from 26 Feb 2026)