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$98,707
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,778
−HK$3,119/mo
Today · 4.125%
HK$104,897
baseline
▲ 0.50% · 4.625%
HK$111,280
+HK$6,383/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$209,794/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,811
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,756
−HK$2,988/mo
Today · 4.125%
HK$115,744
baseline
▲ 0.50% · 4.625%
HK$121,845
+HK$6,101/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$231,488/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,449
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,133
−HK$3,744/mo
Today · 4.125%
HK$125,877
baseline
▲ 0.50% · 4.625%
HK$133,536
+HK$7,659/mo
Deposit HK$17.32M · loan HK$25.97M · min. income ≈ HK$251,754/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,839,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,773
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$135,307
−HK$3,586/mo
Today · 4.125%
HK$138,893
baseline
▲ 0.50% · 4.625%
HK$146,214
+HK$7,321/mo
Deposit HK$17.32M · loan HK$25.97M · min. income ≈ HK$277,786/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,839,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,190
−HK$8,666/mo
▼ 0.25% · 3.875%
HK$142,489
−HK$4,367/mo
Today · 4.125%
HK$146,856
baseline
▲ 0.50% · 4.625%
HK$155,792
+HK$8,936/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$293,712/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,839,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,735
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$157,859
−HK$4,182/mo
Today · 4.125%
HK$162,041
baseline
▲ 0.50% · 4.625%
HK$170,583
+HK$8,542/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$324,082/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,839,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,673
−HK$11,142/mo
▼ 0.25% · 3.875%
HK$183,200
−HK$5,615/mo
Today · 4.125%
HK$188,815
baseline
▲ 0.50% · 4.625%
HK$200,304
+HK$11,489/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$377,630/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,660
−HK$10,679/mo
▼ 0.25% · 3.875%
HK$202,961
−HK$5,378/mo
Today · 4.125%
HK$208,339
baseline
▲ 0.50% · 4.625%
HK$219,321
+HK$10,982/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$416,678/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,735 · Scale 2, in force from 26 Feb 2026)