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$98,639
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,707
−HK$3,118/mo
Today · 4.125%
HK$104,825
baseline
▲ 0.50% · 4.625%
HK$111,203
+HK$6,378/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$209,650/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,735
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,678
−HK$2,986/mo
Today · 4.125%
HK$115,664
baseline
▲ 0.50% · 4.625%
HK$121,760
+HK$6,096/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$231,328/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,367
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,049
−HK$3,741/mo
Today · 4.125%
HK$125,790
baseline
▲ 0.50% · 4.625%
HK$133,444
+HK$7,654/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$251,580/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,682
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,214
−HK$3,582/mo
Today · 4.125%
HK$138,796
baseline
▲ 0.50% · 4.625%
HK$146,113
+HK$7,317/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$277,592/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,095
−HK$8,660/mo
▼ 0.25% · 3.875%
HK$142,390
−HK$4,365/mo
Today · 4.125%
HK$146,755
baseline
▲ 0.50% · 4.625%
HK$155,684
+HK$8,929/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$293,510/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,629
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$157,749
−HK$4,180/mo
Today · 4.125%
HK$161,929
baseline
▲ 0.50% · 4.625%
HK$170,465
+HK$8,536/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$323,858/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,550
−HK$11,134/mo
▼ 0.25% · 3.875%
HK$183,073
−HK$5,611/mo
Today · 4.125%
HK$188,684
baseline
▲ 0.50% · 4.625%
HK$200,165
+HK$11,481/mo
Deposit HK$4.33M · loan HK$38.93M · min. income ≈ HK$377,368/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,523
−HK$10,672/mo
▼ 0.25% · 3.875%
HK$202,821
−HK$5,374/mo
Today · 4.125%
HK$208,195
baseline
▲ 0.50% · 4.625%
HK$219,169
+HK$10,974/mo
Deposit HK$4.33M · loan HK$38.93M · min. income ≈ HK$416,390/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,462 · Scale 2, in force from 26 Feb 2026)