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$98,505
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,569
−HK$3,113/mo
Today · 4.125%
HK$104,682
baseline
▲ 0.50% · 4.625%
HK$111,052
+HK$6,370/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,364/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,835,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,586
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,525
−HK$2,982/mo
Today · 4.125%
HK$115,507
baseline
▲ 0.50% · 4.625%
HK$121,595
+HK$6,088/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,014/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,835,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,206
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$121,883
−HK$3,736/mo
Today · 4.125%
HK$125,619
baseline
▲ 0.50% · 4.625%
HK$133,263
+HK$7,644/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,238/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,835,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,503
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,030
−HK$3,578/mo
Today · 4.125%
HK$138,608
baseline
▲ 0.50% · 4.625%
HK$145,914
+HK$7,306/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,216/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,835,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,907
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$142,197
−HK$4,358/mo
Today · 4.125%
HK$146,555
baseline
▲ 0.50% · 4.625%
HK$155,473
+HK$8,918/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,110/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,835,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,421
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,535
−HK$4,174/mo
Today · 4.125%
HK$161,709
baseline
▲ 0.50% · 4.625%
HK$170,233
+HK$8,524/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,418/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,835,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,309
−HK$11,119/mo
▼ 0.25% · 3.875%
HK$182,825
−HK$5,603/mo
Today · 4.125%
HK$188,428
baseline
▲ 0.50% · 4.625%
HK$199,894
+HK$11,466/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,856/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,255
−HK$10,657/mo
▼ 0.25% · 3.875%
HK$202,545
−HK$5,367/mo
Today · 4.125%
HK$207,912
baseline
▲ 0.50% · 4.625%
HK$218,871
+HK$10,959/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,824/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,967 · Scale 2, in force from 26 Feb 2026)