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$98,994
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,073
−HK$3,129/mo
Today · 4.125%
HK$105,202
baseline
▲ 0.50% · 4.625%
HK$111,603
+HK$6,401/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$210,404/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,845,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,130
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,083
−HK$2,997/mo
Today · 4.125%
HK$116,080
baseline
▲ 0.50% · 4.625%
HK$122,198
+HK$6,118/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$232,160/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$1,845,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,792
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$122,488
−HK$3,754/mo
Today · 4.125%
HK$126,242
baseline
▲ 0.50% · 4.625%
HK$133,923
+HK$7,681/mo
Deposit HK$17.37M · loan HK$26.05M · min. income ≈ HK$252,484/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,845,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,155
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$135,700
−HK$3,595/mo
Today · 4.125%
HK$139,295
baseline
▲ 0.50% · 4.625%
HK$146,638
+HK$7,343/mo
Deposit HK$17.37M · loan HK$26.05M · min. income ≈ HK$278,590/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,845,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,591
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,902
−HK$4,380/mo
Today · 4.125%
HK$147,282
baseline
▲ 0.50% · 4.625%
HK$156,244
+HK$8,962/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$294,564/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,181
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,316
−HK$4,195/mo
Today · 4.125%
HK$162,511
baseline
▲ 0.50% · 4.625%
HK$171,077
+HK$8,566/mo
Deposit HK$13.02M · loan HK$30.39M · min. income ≈ HK$325,022/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,189
−HK$11,174/mo
▼ 0.25% · 3.875%
HK$183,731
−HK$5,632/mo
Today · 4.125%
HK$189,363
baseline
▲ 0.50% · 4.625%
HK$200,885
+HK$11,522/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$378,726/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,233
−HK$10,710/mo
▼ 0.25% · 3.875%
HK$203,550
−HK$5,393/mo
Today · 4.125%
HK$208,943
baseline
▲ 0.50% · 4.625%
HK$219,957
+HK$11,014/mo
Deposit HK$4.34M · loan HK$39.07M · min. income ≈ HK$417,886/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,071 · Scale 2, in force from 26 Feb 2026)