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$98,849
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,924
−HK$3,124/mo
Today · 4.125%
HK$105,048
baseline
▲ 0.50% · 4.625%
HK$111,440
+HK$6,392/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,096/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,969
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,918
−HK$2,992/mo
Today · 4.125%
HK$115,910
baseline
▲ 0.50% · 4.625%
HK$122,020
+HK$6,110/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,820/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,619
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$122,309
−HK$3,749/mo
Today · 4.125%
HK$126,058
baseline
▲ 0.50% · 4.625%
HK$133,728
+HK$7,670/mo
Deposit HK$17.34M · loan HK$26.01M · min. income ≈ HK$252,116/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,842,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,963
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$135,502
−HK$3,590/mo
Today · 4.125%
HK$139,092
baseline
▲ 0.50% · 4.625%
HK$146,424
+HK$7,332/mo
Deposit HK$17.34M · loan HK$26.01M · min. income ≈ HK$278,184/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,842,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,389
−HK$8,678/mo
▼ 0.25% · 3.875%
HK$142,694
−HK$4,373/mo
Today · 4.125%
HK$147,067
baseline
▲ 0.50% · 4.625%
HK$156,016
+HK$8,949/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$294,134/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,957
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$158,086
−HK$4,188/mo
Today · 4.125%
HK$162,274
baseline
▲ 0.50% · 4.625%
HK$170,828
+HK$8,554/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$324,548/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,929
−HK$11,158/mo
▼ 0.25% · 3.875%
HK$183,463
−HK$5,624/mo
Today · 4.125%
HK$189,087
baseline
▲ 0.50% · 4.625%
HK$200,592
+HK$11,505/mo
Deposit HK$4.34M · loan HK$39.02M · min. income ≈ HK$378,174/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,944
−HK$10,694/mo
▼ 0.25% · 3.875%
HK$203,253
−HK$5,385/mo
Today · 4.125%
HK$208,638
baseline
▲ 0.50% · 4.625%
HK$219,636
+HK$10,998/mo
Deposit HK$4.34M · loan HK$39.02M · min. income ≈ HK$417,276/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,380 · Scale 2, in force from 26 Feb 2026)