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$98,502
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,566
−HK$3,113/mo
Today · 4.125%
HK$104,679
baseline
▲ 0.50% · 4.625%
HK$111,048
+HK$6,369/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,358/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,582
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,521
−HK$2,981/mo
Today · 4.125%
HK$115,502
baseline
▲ 0.50% · 4.625%
HK$121,591
+HK$6,089/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,004/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,202
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,879
−HK$3,735/mo
Today · 4.125%
HK$125,614
baseline
▲ 0.50% · 4.625%
HK$133,258
+HK$7,644/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,228/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,499
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,025
−HK$3,578/mo
Today · 4.125%
HK$138,603
baseline
▲ 0.50% · 4.625%
HK$145,909
+HK$7,306/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,206/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,902
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$142,192
−HK$4,358/mo
Today · 4.125%
HK$146,550
baseline
▲ 0.50% · 4.625%
HK$155,467
+HK$8,917/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,100/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,835,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,415
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,529
−HK$4,174/mo
Today · 4.125%
HK$161,703
baseline
▲ 0.50% · 4.625%
HK$170,227
+HK$8,524/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,406/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,835,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,303
−HK$11,118/mo
▼ 0.25% · 3.875%
HK$182,818
−HK$5,603/mo
Today · 4.125%
HK$188,421
baseline
▲ 0.50% · 4.625%
HK$199,886
+HK$11,465/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,842/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,248
−HK$10,656/mo
▼ 0.25% · 3.875%
HK$202,538
−HK$5,366/mo
Today · 4.125%
HK$207,904
baseline
▲ 0.50% · 4.625%
HK$218,863
+HK$10,959/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,808/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,899 · Scale 2, in force from 26 Feb 2026)