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$98,495
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,559
−HK$3,113/mo
Today · 4.125%
HK$104,672
baseline
▲ 0.50% · 4.625%
HK$111,041
+HK$6,369/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,344/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,575
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,514
−HK$2,981/mo
Today · 4.125%
HK$115,495
baseline
▲ 0.50% · 4.625%
HK$121,583
+HK$6,088/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$230,990/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,194
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,871
−HK$3,735/mo
Today · 4.125%
HK$125,606
baseline
▲ 0.50% · 4.625%
HK$133,249
+HK$7,643/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,212/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,490
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,017
−HK$3,577/mo
Today · 4.125%
HK$138,594
baseline
▲ 0.50% · 4.625%
HK$145,900
+HK$7,306/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,188/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,894
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$142,183
−HK$4,358/mo
Today · 4.125%
HK$146,541
baseline
▲ 0.50% · 4.625%
HK$155,457
+HK$8,916/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,082/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,405
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$157,519
−HK$4,174/mo
Today · 4.125%
HK$161,693
baseline
▲ 0.50% · 4.625%
HK$170,216
+HK$8,523/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,386/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,835,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,292
−HK$11,117/mo
▼ 0.25% · 3.875%
HK$182,807
−HK$5,602/mo
Today · 4.125%
HK$188,409
baseline
▲ 0.50% · 4.625%
HK$199,874
+HK$11,465/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,818/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,235
−HK$10,656/mo
▼ 0.25% · 3.875%
HK$202,525
−HK$5,366/mo
Today · 4.125%
HK$207,891
baseline
▲ 0.50% · 4.625%
HK$218,850
+HK$10,959/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,782/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,783 · Scale 2, in force from 26 Feb 2026)