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$98,110
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,161
−HK$3,101/mo
Today · 4.125%
HK$104,262
baseline
▲ 0.50% · 4.625%
HK$110,606
+HK$6,344/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$208,524/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,146
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,073
−HK$2,970/mo
Today · 4.125%
HK$115,043
baseline
▲ 0.50% · 4.625%
HK$121,107
+HK$6,064/mo
Deposit HK$21.51M · loan HK$21.51M · min. income ≈ HK$230,086/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,731
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$121,394
−HK$3,720/mo
Today · 4.125%
HK$125,114
baseline
▲ 0.50% · 4.625%
HK$132,727
+HK$7,613/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,228/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,975
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$134,488
−HK$3,563/mo
Today · 4.125%
HK$138,051
baseline
▲ 0.50% · 4.625%
HK$145,328
+HK$7,277/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,102/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,353
−HK$8,614/mo
▼ 0.25% · 3.875%
HK$141,626
−HK$4,341/mo
Today · 4.125%
HK$145,967
baseline
▲ 0.50% · 4.625%
HK$154,848
+HK$8,881/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$291,934/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,804
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$156,902
−HK$4,158/mo
Today · 4.125%
HK$161,060
baseline
▲ 0.50% · 4.625%
HK$169,550
+HK$8,490/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,120/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,597
−HK$11,074/mo
▼ 0.25% · 3.875%
HK$182,090
−HK$5,581/mo
Today · 4.125%
HK$187,671
baseline
▲ 0.50% · 4.625%
HK$199,091
+HK$11,420/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$375,342/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,463
−HK$10,614/mo
▼ 0.25% · 3.875%
HK$201,732
−HK$5,345/mo
Today · 4.125%
HK$207,077
baseline
▲ 0.50% · 4.625%
HK$217,992
+HK$10,915/mo
Deposit HK$4.30M · loan HK$38.72M · min. income ≈ HK$414,154/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,592 · Scale 2, in force from 26 Feb 2026)