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$98,616
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,684
−HK$3,117/mo
Today · 4.125%
HK$104,801
baseline
▲ 0.50% · 4.625%
HK$111,177
+HK$6,376/mo
Deposit HK$21.62M · loan HK$21.62M · min. income ≈ HK$209,602/mo (50% DSR)
Upfront cash ≈ HK$23.46M (deposit + AVD stamp duty HK$1,838,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,710
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,652
−HK$2,985/mo
Today · 4.125%
HK$115,637
baseline
▲ 0.50% · 4.625%
HK$121,732
+HK$6,095/mo
Deposit HK$21.62M · loan HK$21.62M · min. income ≈ HK$231,274/mo (50% DSR)
Upfront cash ≈ HK$23.46M (deposit + AVD stamp duty HK$1,838,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,340
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$122,021
−HK$3,740/mo
Today · 4.125%
HK$125,761
baseline
▲ 0.50% · 4.625%
HK$133,413
+HK$7,652/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$251,522/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,652
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$135,183
−HK$3,581/mo
Today · 4.125%
HK$138,764
baseline
▲ 0.50% · 4.625%
HK$146,079
+HK$7,315/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$277,528/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,063
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$142,358
−HK$4,363/mo
Today · 4.125%
HK$146,721
baseline
▲ 0.50% · 4.625%
HK$155,648
+HK$8,927/mo
Deposit HK$12.97M · loan HK$30.27M · min. income ≈ HK$293,442/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,838,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,594
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$157,713
−HK$4,179/mo
Today · 4.125%
HK$161,892
baseline
▲ 0.50% · 4.625%
HK$170,425
+HK$8,533/mo
Deposit HK$12.97M · loan HK$30.27M · min. income ≈ HK$323,784/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,838,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,510
−HK$11,131/mo
▼ 0.25% · 3.875%
HK$183,031
−HK$5,610/mo
Today · 4.125%
HK$188,641
baseline
▲ 0.50% · 4.625%
HK$200,119
+HK$11,478/mo
Deposit HK$4.32M · loan HK$38.92M · min. income ≈ HK$377,282/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,478
−HK$10,669/mo
▼ 0.25% · 3.875%
HK$202,774
−HK$5,373/mo
Today · 4.125%
HK$208,147
baseline
▲ 0.50% · 4.625%
HK$219,118
+HK$10,971/mo
Deposit HK$4.32M · loan HK$38.92M · min. income ≈ HK$416,294/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,039 · Scale 2, in force from 26 Feb 2026)