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$98,202
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,256
−HK$3,104/mo
Today · 4.125%
HK$104,360
baseline
▲ 0.50% · 4.625%
HK$110,710
+HK$6,350/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,720/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,248
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,178
−HK$2,973/mo
Today · 4.125%
HK$115,151
baseline
▲ 0.50% · 4.625%
HK$121,220
+HK$6,069/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,302/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,842
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,507
−HK$3,725/mo
Today · 4.125%
HK$125,232
baseline
▲ 0.50% · 4.625%
HK$132,852
+HK$7,620/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,464/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,098
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,614
−HK$3,567/mo
Today · 4.125%
HK$138,181
baseline
▲ 0.50% · 4.625%
HK$145,464
+HK$7,283/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,362/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,482
−HK$8,622/mo
▼ 0.25% · 3.875%
HK$141,759
−HK$4,345/mo
Today · 4.125%
HK$146,104
baseline
▲ 0.50% · 4.625%
HK$154,994
+HK$8,890/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$292,208/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,948
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$157,050
−HK$4,161/mo
Today · 4.125%
HK$161,211
baseline
▲ 0.50% · 4.625%
HK$169,708
+HK$8,497/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$322,422/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,763
−HK$11,084/mo
▼ 0.25% · 3.875%
HK$182,261
−HK$5,586/mo
Today · 4.125%
HK$187,847
baseline
▲ 0.50% · 4.625%
HK$199,277
+HK$11,430/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$375,694/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,647
−HK$10,624/mo
▼ 0.25% · 3.875%
HK$201,921
−HK$5,350/mo
Today · 4.125%
HK$207,271
baseline
▲ 0.50% · 4.625%
HK$218,197
+HK$10,926/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$414,542/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,306 · Scale 2, in force from 26 Feb 2026)