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$98,558
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,624
−HK$3,115/mo
Today · 4.125%
HK$104,739
baseline
▲ 0.50% · 4.625%
HK$111,112
+HK$6,373/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$209,478/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,836,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,645
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,586
−HK$2,983/mo
Today · 4.125%
HK$115,569
baseline
▲ 0.50% · 4.625%
HK$121,661
+HK$6,092/mo
Deposit HK$21.61M · loan HK$21.61M · min. income ≈ HK$231,138/mo (50% DSR)
Upfront cash ≈ HK$23.45M (deposit + AVD stamp duty HK$1,836,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,270
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$121,949
−HK$3,737/mo
Today · 4.125%
HK$125,686
baseline
▲ 0.50% · 4.625%
HK$133,334
+HK$7,648/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$251,372/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,836,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,574
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$135,103
−HK$3,579/mo
Today · 4.125%
HK$138,682
baseline
▲ 0.50% · 4.625%
HK$145,993
+HK$7,311/mo
Deposit HK$17.29M · loan HK$25.93M · min. income ≈ HK$277,364/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,836,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,981
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,273
−HK$4,361/mo
Today · 4.125%
HK$146,634
baseline
▲ 0.50% · 4.625%
HK$155,556
+HK$8,922/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$293,268/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,503
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$157,620
−HK$4,176/mo
Today · 4.125%
HK$161,796
baseline
▲ 0.50% · 4.625%
HK$170,325
+HK$8,529/mo
Deposit HK$12.97M · loan HK$30.26M · min. income ≈ HK$323,592/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,405
−HK$11,125/mo
▼ 0.25% · 3.875%
HK$182,923
−HK$5,607/mo
Today · 4.125%
HK$188,530
baseline
▲ 0.50% · 4.625%
HK$200,001
+HK$11,471/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$377,060/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,361
−HK$10,663/mo
▼ 0.25% · 3.875%
HK$202,654
−HK$5,370/mo
Today · 4.125%
HK$208,024
baseline
▲ 0.50% · 4.625%
HK$218,989
+HK$10,965/mo
Deposit HK$4.32M · loan HK$38.90M · min. income ≈ HK$416,048/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,953 · Scale 2, in force from 26 Feb 2026)