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$98,819
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,893
−HK$3,123/mo
Today · 4.125%
HK$105,016
baseline
▲ 0.50% · 4.625%
HK$111,406
+HK$6,390/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$210,032/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,935
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,884
−HK$2,991/mo
Today · 4.125%
HK$115,875
baseline
▲ 0.50% · 4.625%
HK$121,983
+HK$6,108/mo
Deposit HK$21.67M · loan HK$21.67M · min. income ≈ HK$231,750/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$1,841,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,583
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,272
−HK$3,747/mo
Today · 4.125%
HK$126,019
baseline
▲ 0.50% · 4.625%
HK$133,687
+HK$7,668/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$252,038/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,841,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,922
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$135,460
−HK$3,590/mo
Today · 4.125%
HK$139,050
baseline
▲ 0.50% · 4.625%
HK$146,379
+HK$7,329/mo
Deposit HK$17.33M · loan HK$26.00M · min. income ≈ HK$278,100/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,841,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,347
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$142,650
−HK$4,372/mo
Today · 4.125%
HK$147,022
baseline
▲ 0.50% · 4.625%
HK$155,968
+HK$8,946/mo
Deposit HK$13.00M · loan HK$30.34M · min. income ≈ HK$294,044/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,909
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$158,037
−HK$4,188/mo
Today · 4.125%
HK$162,225
baseline
▲ 0.50% · 4.625%
HK$170,776
+HK$8,551/mo
Deposit HK$13.00M · loan HK$30.34M · min. income ≈ HK$324,450/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,874
−HK$11,155/mo
▼ 0.25% · 3.875%
HK$183,407
−HK$5,622/mo
Today · 4.125%
HK$189,029
baseline
▲ 0.50% · 4.625%
HK$200,531
+HK$11,502/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$378,058/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,841,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,884
−HK$10,691/mo
▼ 0.25% · 3.875%
HK$203,191
−HK$5,384/mo
Today · 4.125%
HK$208,575
baseline
▲ 0.50% · 4.625%
HK$219,569
+HK$10,994/mo
Deposit HK$4.33M · loan HK$39.00M · min. income ≈ HK$417,150/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,841,817 · Scale 2, in force from 26 Feb 2026)