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$98,698
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,768
−HK$3,119/mo
Today · 4.125%
HK$104,887
baseline
▲ 0.50% · 4.625%
HK$111,270
+HK$6,383/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$209,774/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,801
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,746
−HK$2,987/mo
Today · 4.125%
HK$115,733
baseline
▲ 0.50% · 4.625%
HK$121,833
+HK$6,100/mo
Deposit HK$21.64M · loan HK$21.64M · min. income ≈ HK$231,466/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$1,839,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,438
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$122,122
−HK$3,743/mo
Today · 4.125%
HK$125,865
baseline
▲ 0.50% · 4.625%
HK$133,523
+HK$7,658/mo
Deposit HK$17.31M · loan HK$25.97M · min. income ≈ HK$251,730/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,839,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,761
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$135,295
−HK$3,584/mo
Today · 4.125%
HK$138,879
baseline
▲ 0.50% · 4.625%
HK$146,200
+HK$7,321/mo
Deposit HK$17.31M · loan HK$25.97M · min. income ≈ HK$277,758/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,839,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,177
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$142,476
−HK$4,366/mo
Today · 4.125%
HK$146,842
baseline
▲ 0.50% · 4.625%
HK$155,777
+HK$8,935/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$293,684/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,839,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,721
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$157,844
−HK$4,182/mo
Today · 4.125%
HK$162,026
baseline
▲ 0.50% · 4.625%
HK$170,567
+HK$8,541/mo
Deposit HK$12.99M · loan HK$30.30M · min. income ≈ HK$324,052/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,839,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,657
−HK$11,140/mo
▼ 0.25% · 3.875%
HK$183,183
−HK$5,614/mo
Today · 4.125%
HK$188,797
baseline
▲ 0.50% · 4.625%
HK$200,285
+HK$11,488/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$377,594/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,641
−HK$10,678/mo
▼ 0.25% · 3.875%
HK$202,942
−HK$5,377/mo
Today · 4.125%
HK$208,319
baseline
▲ 0.50% · 4.625%
HK$219,300
+HK$10,981/mo
Deposit HK$4.33M · loan HK$38.96M · min. income ≈ HK$416,638/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,839,562 · Scale 2, in force from 26 Feb 2026)