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$97,991
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,039
−HK$3,097/mo
Today · 4.125%
HK$104,136
baseline
▲ 0.50% · 4.625%
HK$110,473
+HK$6,337/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$208,272/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,014
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,938
−HK$2,966/mo
Today · 4.125%
HK$114,904
baseline
▲ 0.50% · 4.625%
HK$120,961
+HK$6,057/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$229,808/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$1,826,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,590
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,247
−HK$3,716/mo
Today · 4.125%
HK$124,963
baseline
▲ 0.50% · 4.625%
HK$132,567
+HK$7,604/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$249,926/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,817
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$134,326
−HK$3,559/mo
Today · 4.125%
HK$137,885
baseline
▲ 0.50% · 4.625%
HK$145,153
+HK$7,268/mo
Deposit HK$17.19M · loan HK$25.78M · min. income ≈ HK$275,770/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,188
−HK$8,603/mo
▼ 0.25% · 3.875%
HK$141,455
−HK$4,336/mo
Today · 4.125%
HK$145,791
baseline
▲ 0.50% · 4.625%
HK$154,662
+HK$8,871/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$291,582/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,620
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$156,713
−HK$4,153/mo
Today · 4.125%
HK$160,866
baseline
▲ 0.50% · 4.625%
HK$169,345
+HK$8,479/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$321,732/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,384
−HK$11,061/mo
▼ 0.25% · 3.875%
HK$181,871
−HK$5,574/mo
Today · 4.125%
HK$187,445
baseline
▲ 0.50% · 4.625%
HK$198,851
+HK$11,406/mo
Deposit HK$4.30M · loan HK$38.68M · min. income ≈ HK$374,890/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,226
−HK$10,601/mo
▼ 0.25% · 3.875%
HK$201,488
−HK$5,339/mo
Today · 4.125%
HK$206,827
baseline
▲ 0.50% · 4.625%
HK$217,729
+HK$10,902/mo
Deposit HK$4.30M · loan HK$38.68M · min. income ≈ HK$413,654/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,387 · Scale 2, in force from 26 Feb 2026)