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$98,948
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,025
−HK$3,128/mo
Today · 4.125%
HK$105,153
baseline
▲ 0.50% · 4.625%
HK$111,551
+HK$6,398/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$210,306/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,078
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,030
−HK$2,995/mo
Today · 4.125%
HK$116,025
baseline
▲ 0.50% · 4.625%
HK$122,141
+HK$6,116/mo
Deposit HK$21.70M · loan HK$21.70M · min. income ≈ HK$232,050/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$1,844,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,737
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,431
−HK$3,752/mo
Today · 4.125%
HK$126,183
baseline
▲ 0.50% · 4.625%
HK$133,861
+HK$7,678/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$252,366/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,094
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,637
−HK$3,594/mo
Today · 4.125%
HK$139,231
baseline
▲ 0.50% · 4.625%
HK$146,570
+HK$7,339/mo
Deposit HK$17.36M · loan HK$26.04M · min. income ≈ HK$278,462/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,844,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,527
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$142,836
−HK$4,378/mo
Today · 4.125%
HK$147,214
baseline
▲ 0.50% · 4.625%
HK$156,171
+HK$8,957/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$294,428/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,110
−HK$8,326/mo
▼ 0.25% · 3.875%
HK$158,243
−HK$4,193/mo
Today · 4.125%
HK$162,436
baseline
▲ 0.50% · 4.625%
HK$170,998
+HK$8,562/mo
Deposit HK$13.02M · loan HK$30.38M · min. income ≈ HK$324,872/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,844,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,106
−HK$11,169/mo
▼ 0.25% · 3.875%
HK$183,646
−HK$5,629/mo
Today · 4.125%
HK$189,275
baseline
▲ 0.50% · 4.625%
HK$200,791
+HK$11,516/mo
Deposit HK$4.34M · loan HK$39.05M · min. income ≈ HK$378,550/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,141
−HK$10,705/mo
▼ 0.25% · 3.875%
HK$203,455
−HK$5,391/mo
Today · 4.125%
HK$208,846
baseline
▲ 0.50% · 4.625%
HK$219,854
+HK$11,008/mo
Deposit HK$4.34M · loan HK$39.05M · min. income ≈ HK$417,692/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,844,212 · Scale 2, in force from 26 Feb 2026)