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$98,764
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,836
−HK$3,121/mo
Today · 4.125%
HK$104,957
baseline
▲ 0.50% · 4.625%
HK$111,344
+HK$6,387/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$209,914/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,840,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,874
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,821
−HK$2,989/mo
Today · 4.125%
HK$115,810
baseline
▲ 0.50% · 4.625%
HK$121,915
+HK$6,105/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$231,620/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,840,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,517
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$122,203
−HK$3,746/mo
Today · 4.125%
HK$125,949
baseline
▲ 0.50% · 4.625%
HK$133,612
+HK$7,663/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$251,898/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,840,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,849
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,385
−HK$3,587/mo
Today · 4.125%
HK$138,972
baseline
▲ 0.50% · 4.625%
HK$146,297
+HK$7,325/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$277,944/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,840,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,269
−HK$8,671/mo
▼ 0.25% · 3.875%
HK$142,570
−HK$4,370/mo
Today · 4.125%
HK$146,940
baseline
▲ 0.50% · 4.625%
HK$155,881
+HK$8,941/mo
Deposit HK$12.99M · loan HK$30.32M · min. income ≈ HK$293,880/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,840,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,823
−HK$8,311/mo
▼ 0.25% · 3.875%
HK$157,949
−HK$4,185/mo
Today · 4.125%
HK$162,134
baseline
▲ 0.50% · 4.625%
HK$170,680
+HK$8,546/mo
Deposit HK$12.99M · loan HK$30.32M · min. income ≈ HK$324,268/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,840,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,775
−HK$11,148/mo
▼ 0.25% · 3.875%
HK$183,305
−HK$5,618/mo
Today · 4.125%
HK$188,923
baseline
▲ 0.50% · 4.625%
HK$200,419
+HK$11,496/mo
Deposit HK$4.33M · loan HK$38.98M · min. income ≈ HK$377,846/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,840,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,773
−HK$10,685/mo
▼ 0.25% · 3.875%
HK$203,077
−HK$5,381/mo
Today · 4.125%
HK$208,458
baseline
▲ 0.50% · 4.625%
HK$219,446
+HK$10,988/mo
Deposit HK$4.33M · loan HK$38.98M · min. income ≈ HK$416,916/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,840,788 · Scale 2, in force from 26 Feb 2026)