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$98,221
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,276
−HK$3,104/mo
Today · 4.125%
HK$104,380
baseline
▲ 0.50% · 4.625%
HK$110,732
+HK$6,352/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,760/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,270
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,200
−HK$2,973/mo
Today · 4.125%
HK$115,173
baseline
▲ 0.50% · 4.625%
HK$121,244
+HK$6,071/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,346/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,865
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,531
−HK$3,725/mo
Today · 4.125%
HK$125,256
baseline
▲ 0.50% · 4.625%
HK$132,878
+HK$7,622/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,512/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,124
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,641
−HK$3,567/mo
Today · 4.125%
HK$138,208
baseline
▲ 0.50% · 4.625%
HK$145,493
+HK$7,285/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,416/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,509
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$141,787
−HK$4,345/mo
Today · 4.125%
HK$146,132
baseline
▲ 0.50% · 4.625%
HK$155,024
+HK$8,892/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$292,264/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,978
−HK$8,265/mo
▼ 0.25% · 3.875%
HK$157,081
−HK$4,162/mo
Today · 4.125%
HK$161,243
baseline
▲ 0.50% · 4.625%
HK$169,742
+HK$8,499/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$322,486/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,798
−HK$11,087/mo
▼ 0.25% · 3.875%
HK$182,297
−HK$5,588/mo
Today · 4.125%
HK$187,885
baseline
▲ 0.50% · 4.625%
HK$199,317
+HK$11,432/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$375,770/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,686
−HK$10,626/mo
▼ 0.25% · 3.875%
HK$201,961
−HK$5,351/mo
Today · 4.125%
HK$207,312
baseline
▲ 0.50% · 4.625%
HK$218,240
+HK$10,928/mo
Deposit HK$4.31M · loan HK$38.77M · min. income ≈ HK$414,624/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,668 · Scale 2, in force from 26 Feb 2026)