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$98,250
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,306
−HK$3,105/mo
Today · 4.125%
HK$104,411
baseline
▲ 0.50% · 4.625%
HK$110,764
+HK$6,353/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,822/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,831,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,302
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,233
−HK$2,974/mo
Today · 4.125%
HK$115,207
baseline
▲ 0.50% · 4.625%
HK$121,280
+HK$6,073/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,414/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,831,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,900
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$121,567
−HK$3,726/mo
Today · 4.125%
HK$125,293
baseline
▲ 0.50% · 4.625%
HK$132,917
+HK$7,624/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$250,586/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,162
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,680
−HK$3,569/mo
Today · 4.125%
HK$138,249
baseline
▲ 0.50% · 4.625%
HK$145,536
+HK$7,287/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$276,498/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,550
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$141,828
−HK$4,347/mo
Today · 4.125%
HK$146,175
baseline
▲ 0.50% · 4.625%
HK$155,070
+HK$8,895/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$292,350/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,023
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$157,127
−HK$4,163/mo
Today · 4.125%
HK$161,290
baseline
▲ 0.50% · 4.625%
HK$169,792
+HK$8,502/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$322,580/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,850
−HK$11,090/mo
▼ 0.25% · 3.875%
HK$182,351
−HK$5,589/mo
Today · 4.125%
HK$187,940
baseline
▲ 0.50% · 4.625%
HK$199,375
+HK$11,435/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$375,880/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,744
−HK$10,629/mo
▼ 0.25% · 3.875%
HK$202,020
−HK$5,353/mo
Today · 4.125%
HK$207,373
baseline
▲ 0.50% · 4.625%
HK$218,304
+HK$10,931/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$414,746/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,206 · Scale 2, in force from 26 Feb 2026)