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$98,134
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,186
−HK$3,101/mo
Today · 4.125%
HK$104,287
baseline
▲ 0.50% · 4.625%
HK$110,633
+HK$6,346/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,574/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,173
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,101
−HK$2,970/mo
Today · 4.125%
HK$115,071
baseline
▲ 0.50% · 4.625%
HK$121,136
+HK$6,065/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,142/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$1,829,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,760
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,423
−HK$3,722/mo
Today · 4.125%
HK$125,145
baseline
▲ 0.50% · 4.625%
HK$132,760
+HK$7,615/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,290/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,829,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,007
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$134,521
−HK$3,564/mo
Today · 4.125%
HK$138,085
baseline
▲ 0.50% · 4.625%
HK$145,364
+HK$7,279/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,170/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,829,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,387
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,661
−HK$4,341/mo
Today · 4.125%
HK$146,002
baseline
▲ 0.50% · 4.625%
HK$154,886
+HK$8,884/mo
Deposit HK$12.91M · loan HK$30.13M · min. income ≈ HK$292,004/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,842
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,941
−HK$4,158/mo
Today · 4.125%
HK$161,099
baseline
▲ 0.50% · 4.625%
HK$169,591
+HK$8,492/mo
Deposit HK$12.91M · loan HK$30.13M · min. income ≈ HK$322,198/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,829,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,641
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$182,135
−HK$5,582/mo
Today · 4.125%
HK$187,717
baseline
▲ 0.50% · 4.625%
HK$199,140
+HK$11,423/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,434/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,511
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$201,781
−HK$5,347/mo
Today · 4.125%
HK$207,128
baseline
▲ 0.50% · 4.625%
HK$218,046
+HK$10,918/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,256/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,040 · Scale 2, in force from 26 Feb 2026)