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$98,954
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,032
−HK$3,128/mo
Today · 4.125%
HK$105,160
baseline
▲ 0.50% · 4.625%
HK$111,558
+HK$6,398/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,320/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,086
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,038
−HK$2,995/mo
Today · 4.125%
HK$116,033
baseline
▲ 0.50% · 4.625%
HK$122,150
+HK$6,117/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,066/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,745
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,439
−HK$3,753/mo
Today · 4.125%
HK$126,192
baseline
▲ 0.50% · 4.625%
HK$133,870
+HK$7,678/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$252,384/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,103
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,646
−HK$3,594/mo
Today · 4.125%
HK$139,240
baseline
▲ 0.50% · 4.625%
HK$146,580
+HK$7,340/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$278,480/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,536
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$142,845
−HK$4,379/mo
Today · 4.125%
HK$147,224
baseline
▲ 0.50% · 4.625%
HK$156,182
+HK$8,958/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$294,448/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,120
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$158,253
−HK$4,194/mo
Today · 4.125%
HK$162,447
baseline
▲ 0.50% · 4.625%
HK$171,009
+HK$8,562/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$324,894/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,118
−HK$11,169/mo
▼ 0.25% · 3.875%
HK$183,658
−HK$5,629/mo
Today · 4.125%
HK$189,287
baseline
▲ 0.50% · 4.625%
HK$200,805
+HK$11,518/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$378,574/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,154
−HK$10,706/mo
▼ 0.25% · 3.875%
HK$203,469
−HK$5,391/mo
Today · 4.125%
HK$208,860
baseline
▲ 0.50% · 4.625%
HK$219,869
+HK$11,009/mo
Deposit HK$4.34M · loan HK$39.06M · min. income ≈ HK$417,720/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,337 · Scale 2, in force from 26 Feb 2026)