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$98,512
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,576
−HK$3,113/mo
Today · 4.125%
HK$104,689
baseline
▲ 0.50% · 4.625%
HK$111,059
+HK$6,370/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,378/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,593
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,532
−HK$2,982/mo
Today · 4.125%
HK$115,514
baseline
▲ 0.50% · 4.625%
HK$121,603
+HK$6,089/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,028/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,214
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$121,891
−HK$3,736/mo
Today · 4.125%
HK$125,627
baseline
▲ 0.50% · 4.625%
HK$133,271
+HK$7,644/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,254/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,512
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,039
−HK$3,578/mo
Today · 4.125%
HK$138,617
baseline
▲ 0.50% · 4.625%
HK$145,924
+HK$7,307/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,234/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,916
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$142,206
−HK$4,359/mo
Today · 4.125%
HK$146,565
baseline
▲ 0.50% · 4.625%
HK$155,483
+HK$8,918/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,130/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,430
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,545
−HK$4,175/mo
Today · 4.125%
HK$161,720
baseline
▲ 0.50% · 4.625%
HK$170,244
+HK$8,524/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,440/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,321
−HK$11,119/mo
▼ 0.25% · 3.875%
HK$182,837
−HK$5,603/mo
Today · 4.125%
HK$188,440
baseline
▲ 0.50% · 4.625%
HK$199,907
+HK$11,467/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,880/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,268
−HK$10,657/mo
▼ 0.25% · 3.875%
HK$202,558
−HK$5,367/mo
Today · 4.125%
HK$207,925
baseline
▲ 0.50% · 4.625%
HK$218,886
+HK$10,961/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,850/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,085 · Scale 2, in force from 26 Feb 2026)