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$98,442
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,505
−HK$3,111/mo
Today · 4.125%
HK$104,616
baseline
▲ 0.50% · 4.625%
HK$110,981
+HK$6,365/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$209,232/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$1,834,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,516
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,453
−HK$2,980/mo
Today · 4.125%
HK$115,433
baseline
▲ 0.50% · 4.625%
HK$121,518
+HK$6,085/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$230,866/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$1,834,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,131
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,805
−HK$3,734/mo
Today · 4.125%
HK$125,539
baseline
▲ 0.50% · 4.625%
HK$133,177
+HK$7,638/mo
Deposit HK$17.27M · loan HK$25.90M · min. income ≈ HK$251,078/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,419
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,944
−HK$3,576/mo
Today · 4.125%
HK$138,520
baseline
▲ 0.50% · 4.625%
HK$145,821
+HK$7,301/mo
Deposit HK$17.27M · loan HK$25.90M · min. income ≈ HK$277,040/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,819
−HK$8,643/mo
▼ 0.25% · 3.875%
HK$142,106
−HK$4,356/mo
Today · 4.125%
HK$146,462
baseline
▲ 0.50% · 4.625%
HK$155,374
+HK$8,912/mo
Deposit HK$12.95M · loan HK$30.22M · min. income ≈ HK$292,924/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,834,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,323
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$157,435
−HK$4,171/mo
Today · 4.125%
HK$161,606
baseline
▲ 0.50% · 4.625%
HK$170,125
+HK$8,519/mo
Deposit HK$12.95M · loan HK$30.22M · min. income ≈ HK$323,212/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,834,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,196
−HK$11,112/mo
▼ 0.25% · 3.875%
HK$182,708
−HK$5,600/mo
Today · 4.125%
HK$188,308
baseline
▲ 0.50% · 4.625%
HK$199,766
+HK$11,458/mo
Deposit HK$4.32M · loan HK$38.85M · min. income ≈ HK$376,616/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,129
−HK$10,650/mo
▼ 0.25% · 3.875%
HK$202,416
−HK$5,363/mo
Today · 4.125%
HK$207,779
baseline
▲ 0.50% · 4.625%
HK$218,732
+HK$10,953/mo
Deposit HK$4.32M · loan HK$38.85M · min. income ≈ HK$415,558/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,795 · Scale 2, in force from 26 Feb 2026)