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$98,823
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,897
−HK$3,123/mo
Today · 4.125%
HK$105,020
baseline
▲ 0.50% · 4.625%
HK$111,410
+HK$6,390/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$210,040/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,939
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,888
−HK$2,991/mo
Today · 4.125%
HK$115,879
baseline
▲ 0.50% · 4.625%
HK$121,987
+HK$6,108/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$231,758/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,587
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$122,276
−HK$3,748/mo
Today · 4.125%
HK$126,024
baseline
▲ 0.50% · 4.625%
HK$133,692
+HK$7,668/mo
Deposit HK$17.34M · loan HK$26.00M · min. income ≈ HK$252,048/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,841,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,927
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$135,465
−HK$3,590/mo
Today · 4.125%
HK$139,055
baseline
▲ 0.50% · 4.625%
HK$146,385
+HK$7,330/mo
Deposit HK$17.34M · loan HK$26.00M · min. income ≈ HK$278,110/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,841,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,352
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$142,655
−HK$4,373/mo
Today · 4.125%
HK$147,028
baseline
▲ 0.50% · 4.625%
HK$155,974
+HK$8,946/mo
Deposit HK$13.00M · loan HK$30.34M · min. income ≈ HK$294,056/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,915
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$158,043
−HK$4,188/mo
Today · 4.125%
HK$162,231
baseline
▲ 0.50% · 4.625%
HK$170,782
+HK$8,551/mo
Deposit HK$13.00M · loan HK$30.34M · min. income ≈ HK$324,462/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,881
−HK$11,155/mo
▼ 0.25% · 3.875%
HK$183,414
−HK$5,622/mo
Today · 4.125%
HK$189,036
baseline
▲ 0.50% · 4.625%
HK$200,538
+HK$11,502/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$378,072/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,841,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,891
−HK$10,691/mo
▼ 0.25% · 3.875%
HK$203,198
−HK$5,384/mo
Today · 4.125%
HK$208,582
baseline
▲ 0.50% · 4.625%
HK$219,577
+HK$10,995/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$417,164/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,841,885 · Scale 2, in force from 26 Feb 2026)