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$98,110
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,162
−HK$3,100/mo
Today · 4.125%
HK$104,262
baseline
▲ 0.50% · 4.625%
HK$110,606
+HK$6,344/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$208,524/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,146
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,074
−HK$2,969/mo
Today · 4.125%
HK$115,043
baseline
▲ 0.50% · 4.625%
HK$121,107
+HK$6,064/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$230,086/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,732
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$121,394
−HK$3,721/mo
Today · 4.125%
HK$125,115
baseline
▲ 0.50% · 4.625%
HK$132,728
+HK$7,613/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,230/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,976
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$134,488
−HK$3,564/mo
Today · 4.125%
HK$138,052
baseline
▲ 0.50% · 4.625%
HK$145,329
+HK$7,277/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,104/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,354
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$141,626
−HK$4,341/mo
Today · 4.125%
HK$145,967
baseline
▲ 0.50% · 4.625%
HK$154,849
+HK$8,882/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$291,934/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,805
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$156,903
−HK$4,158/mo
Today · 4.125%
HK$161,061
baseline
▲ 0.50% · 4.625%
HK$169,550
+HK$8,489/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,122/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,598
−HK$11,074/mo
▼ 0.25% · 3.875%
HK$182,091
−HK$5,581/mo
Today · 4.125%
HK$187,672
baseline
▲ 0.50% · 4.625%
HK$199,092
+HK$11,420/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$375,344/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,463
−HK$10,615/mo
▼ 0.25% · 3.875%
HK$201,733
−HK$5,345/mo
Today · 4.125%
HK$207,078
baseline
▲ 0.50% · 4.625%
HK$217,993
+HK$10,915/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$414,156/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,599 · Scale 2, in force from 26 Feb 2026)