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$98,285
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,343
−HK$3,106/mo
Today · 4.125%
HK$104,449
baseline
▲ 0.50% · 4.625%
HK$110,804
+HK$6,355/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,898/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,342
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,274
−HK$2,975/mo
Today · 4.125%
HK$115,249
baseline
▲ 0.50% · 4.625%
HK$121,324
+HK$6,075/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,498/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,943
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$121,611
−HK$3,728/mo
Today · 4.125%
HK$125,339
baseline
▲ 0.50% · 4.625%
HK$132,965
+HK$7,626/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,678/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,210
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$134,729
−HK$3,570/mo
Today · 4.125%
HK$138,299
baseline
▲ 0.50% · 4.625%
HK$145,589
+HK$7,290/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,598/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,600
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$141,880
−HK$4,348/mo
Today · 4.125%
HK$146,228
baseline
▲ 0.50% · 4.625%
HK$155,126
+HK$8,898/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,456/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,078
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$157,184
−HK$4,165/mo
Today · 4.125%
HK$161,349
baseline
▲ 0.50% · 4.625%
HK$169,854
+HK$8,505/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,698/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,914
−HK$11,094/mo
▼ 0.25% · 3.875%
HK$182,417
−HK$5,591/mo
Today · 4.125%
HK$188,008
baseline
▲ 0.50% · 4.625%
HK$199,448
+HK$11,440/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$376,016/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,815
−HK$10,633/mo
▼ 0.25% · 3.875%
HK$202,093
−HK$5,355/mo
Today · 4.125%
HK$207,448
baseline
▲ 0.50% · 4.625%
HK$218,383
+HK$10,935/mo
Deposit HK$4.31M · loan HK$38.79M · min. income ≈ HK$414,896/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,870 · Scale 2, in force from 26 Feb 2026)