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$98,816
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,890
−HK$3,123/mo
Today · 4.125%
HK$105,013
baseline
▲ 0.50% · 4.625%
HK$111,403
+HK$6,390/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$210,026/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,932
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,880
−HK$2,991/mo
Today · 4.125%
HK$115,871
baseline
▲ 0.50% · 4.625%
HK$121,979
+HK$6,108/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$231,742/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,580
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,268
−HK$3,748/mo
Today · 4.125%
HK$126,016
baseline
▲ 0.50% · 4.625%
HK$133,683
+HK$7,667/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$252,032/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,841,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,919
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$135,457
−HK$3,589/mo
Today · 4.125%
HK$139,046
baseline
▲ 0.50% · 4.625%
HK$146,375
+HK$7,329/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$278,092/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,841,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,343
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$142,646
−HK$4,372/mo
Today · 4.125%
HK$147,018
baseline
▲ 0.50% · 4.625%
HK$155,964
+HK$8,946/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$294,036/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,905
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$158,033
−HK$4,187/mo
Today · 4.125%
HK$162,220
baseline
▲ 0.50% · 4.625%
HK$170,771
+HK$8,551/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$324,440/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,869
−HK$11,154/mo
▼ 0.25% · 3.875%
HK$183,402
−HK$5,621/mo
Today · 4.125%
HK$189,023
baseline
▲ 0.50% · 4.625%
HK$200,525
+HK$11,502/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$378,046/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,841,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,878
−HK$10,691/mo
▼ 0.25% · 3.875%
HK$203,185
−HK$5,384/mo
Today · 4.125%
HK$208,569
baseline
▲ 0.50% · 4.625%
HK$219,563
+HK$10,994/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$417,138/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,841,764 · Scale 2, in force from 26 Feb 2026)