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$98,632
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,700
−HK$3,118/mo
Today · 4.125%
HK$104,818
baseline
▲ 0.50% · 4.625%
HK$111,195
+HK$6,377/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$209,636/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,728
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,670
−HK$2,986/mo
Today · 4.125%
HK$115,656
baseline
▲ 0.50% · 4.625%
HK$121,752
+HK$6,096/mo
Deposit HK$21.63M · loan HK$21.63M · min. income ≈ HK$231,312/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$1,838,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,359
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$122,041
−HK$3,740/mo
Today · 4.125%
HK$125,781
baseline
▲ 0.50% · 4.625%
HK$133,435
+HK$7,654/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$251,562/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,673
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,205
−HK$3,582/mo
Today · 4.125%
HK$138,787
baseline
▲ 0.50% · 4.625%
HK$146,103
+HK$7,316/mo
Deposit HK$17.30M · loan HK$25.95M · min. income ≈ HK$277,574/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,838,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,085
−HK$8,660/mo
▼ 0.25% · 3.875%
HK$142,381
−HK$4,364/mo
Today · 4.125%
HK$146,745
baseline
▲ 0.50% · 4.625%
HK$155,674
+HK$8,929/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$293,490/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,838,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,619
−HK$8,299/mo
▼ 0.25% · 3.875%
HK$157,739
−HK$4,179/mo
Today · 4.125%
HK$161,918
baseline
▲ 0.50% · 4.625%
HK$170,453
+HK$8,535/mo
Deposit HK$12.98M · loan HK$30.28M · min. income ≈ HK$323,836/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,838,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,538
−HK$11,134/mo
▼ 0.25% · 3.875%
HK$183,061
−HK$5,611/mo
Today · 4.125%
HK$188,672
baseline
▲ 0.50% · 4.625%
HK$200,152
+HK$11,480/mo
Deposit HK$4.33M · loan HK$38.93M · min. income ≈ HK$377,344/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,510
−HK$10,671/mo
▼ 0.25% · 3.875%
HK$202,807
−HK$5,374/mo
Today · 4.125%
HK$208,181
baseline
▲ 0.50% · 4.625%
HK$219,154
+HK$10,973/mo
Deposit HK$4.33M · loan HK$38.93M · min. income ≈ HK$416,362/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,838,337 · Scale 2, in force from 26 Feb 2026)