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$98,655
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,724
−HK$3,118/mo
Today · 4.125%
HK$104,842
baseline
▲ 0.50% · 4.625%
HK$111,221
+HK$6,379/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$209,684/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,753
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,696
−HK$2,986/mo
Today · 4.125%
HK$115,682
baseline
▲ 0.50% · 4.625%
HK$121,780
+HK$6,098/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$231,364/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,386
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$122,069
−HK$3,741/mo
Today · 4.125%
HK$125,810
baseline
▲ 0.50% · 4.625%
HK$133,465
+HK$7,655/mo
Deposit HK$17.31M · loan HK$25.96M · min. income ≈ HK$251,620/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,703
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,236
−HK$3,583/mo
Today · 4.125%
HK$138,819
baseline
▲ 0.50% · 4.625%
HK$146,136
+HK$7,317/mo
Deposit HK$17.31M · loan HK$25.96M · min. income ≈ HK$277,638/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,117
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,413
−HK$4,365/mo
Today · 4.125%
HK$146,778
baseline
▲ 0.50% · 4.625%
HK$155,709
+HK$8,931/mo
Deposit HK$12.98M · loan HK$30.29M · min. income ≈ HK$293,556/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,654
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$157,775
−HK$4,180/mo
Today · 4.125%
HK$161,955
baseline
▲ 0.50% · 4.625%
HK$170,492
+HK$8,537/mo
Deposit HK$12.98M · loan HK$30.29M · min. income ≈ HK$323,910/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,838,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,579
−HK$11,136/mo
▼ 0.25% · 3.875%
HK$183,103
−HK$5,612/mo
Today · 4.125%
HK$188,715
baseline
▲ 0.50% · 4.625%
HK$200,198
+HK$11,483/mo
Deposit HK$4.33M · loan HK$38.94M · min. income ≈ HK$377,430/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,838,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,555
−HK$10,673/mo
▼ 0.25% · 3.875%
HK$202,853
−HK$5,375/mo
Today · 4.125%
HK$208,228
baseline
▲ 0.50% · 4.625%
HK$219,204
+HK$10,976/mo
Deposit HK$4.33M · loan HK$38.94M · min. income ≈ HK$416,456/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,838,760 · Scale 2, in force from 26 Feb 2026)