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$98,528
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,593
−HK$3,114/mo
Today · 4.125%
HK$104,707
baseline
▲ 0.50% · 4.625%
HK$111,078
+HK$6,371/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,414/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,612
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,552
−HK$2,982/mo
Today · 4.125%
HK$115,534
baseline
▲ 0.50% · 4.625%
HK$121,624
+HK$6,090/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,068/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$1,836,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,234
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$121,912
−HK$3,736/mo
Today · 4.125%
HK$125,648
baseline
▲ 0.50% · 4.625%
HK$133,294
+HK$7,646/mo
Deposit HK$17.28M · loan HK$25.93M · min. income ≈ HK$251,296/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,534
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$135,062
−HK$3,579/mo
Today · 4.125%
HK$138,641
baseline
▲ 0.50% · 4.625%
HK$145,948
+HK$7,307/mo
Deposit HK$17.28M · loan HK$25.93M · min. income ≈ HK$277,282/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,836,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,940
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$142,230
−HK$4,360/mo
Today · 4.125%
HK$146,590
baseline
▲ 0.50% · 4.625%
HK$155,509
+HK$8,919/mo
Deposit HK$12.96M · loan HK$30.25M · min. income ≈ HK$293,180/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,457
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$157,572
−HK$4,175/mo
Today · 4.125%
HK$161,747
baseline
▲ 0.50% · 4.625%
HK$170,273
+HK$8,526/mo
Deposit HK$12.96M · loan HK$30.25M · min. income ≈ HK$323,494/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,836,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,351
−HK$11,122/mo
▼ 0.25% · 3.875%
HK$182,868
−HK$5,605/mo
Today · 4.125%
HK$188,473
baseline
▲ 0.50% · 4.625%
HK$199,941
+HK$11,468/mo
Deposit HK$4.32M · loan HK$38.89M · min. income ≈ HK$376,946/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,301
−HK$10,660/mo
▼ 0.25% · 3.875%
HK$202,593
−HK$5,368/mo
Today · 4.125%
HK$207,961
baseline
▲ 0.50% · 4.625%
HK$218,923
+HK$10,962/mo
Deposit HK$4.32M · loan HK$38.89M · min. income ≈ HK$415,922/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,836,397 · Scale 2, in force from 26 Feb 2026)