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$98,203
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,258
−HK$3,103/mo
Today · 4.125%
HK$104,361
baseline
▲ 0.50% · 4.625%
HK$110,711
+HK$6,350/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,722/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,250
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,180
−HK$2,972/mo
Today · 4.125%
HK$115,152
baseline
▲ 0.50% · 4.625%
HK$121,222
+HK$6,070/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,304/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,843
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,509
−HK$3,724/mo
Today · 4.125%
HK$125,233
baseline
▲ 0.50% · 4.625%
HK$132,853
+HK$7,620/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,466/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,100
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,616
−HK$3,567/mo
Today · 4.125%
HK$138,183
baseline
▲ 0.50% · 4.625%
HK$145,466
+HK$7,283/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,366/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,484
−HK$8,621/mo
▼ 0.25% · 3.875%
HK$141,761
−HK$4,344/mo
Today · 4.125%
HK$146,105
baseline
▲ 0.50% · 4.625%
HK$154,996
+HK$8,891/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$292,210/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,950
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$157,052
−HK$4,161/mo
Today · 4.125%
HK$161,213
baseline
▲ 0.50% · 4.625%
HK$169,711
+HK$8,498/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$322,426/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,765
−HK$11,085/mo
▼ 0.25% · 3.875%
HK$182,264
−HK$5,586/mo
Today · 4.125%
HK$187,850
baseline
▲ 0.50% · 4.625%
HK$199,280
+HK$11,430/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$375,700/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,649
−HK$10,625/mo
▼ 0.25% · 3.875%
HK$201,923
−HK$5,351/mo
Today · 4.125%
HK$207,274
baseline
▲ 0.50% · 4.625%
HK$218,199
+HK$10,925/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$414,548/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,330 · Scale 2, in force from 26 Feb 2026)