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$98,266
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,322
−HK$3,106/mo
Today · 4.125%
HK$104,428
baseline
▲ 0.50% · 4.625%
HK$110,782
+HK$6,354/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$208,856/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,319
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,251
−HK$2,975/mo
Today · 4.125%
HK$115,226
baseline
▲ 0.50% · 4.625%
HK$121,299
+HK$6,073/mo
Deposit HK$21.55M · loan HK$21.55M · min. income ≈ HK$230,452/mo (50% DSR)
Upfront cash ≈ HK$23.38M (deposit + AVD stamp duty HK$1,831,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,919
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,587
−HK$3,726/mo
Today · 4.125%
HK$125,313
baseline
▲ 0.50% · 4.625%
HK$132,938
+HK$7,625/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$250,626/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,183
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,702
−HK$3,569/mo
Today · 4.125%
HK$138,271
baseline
▲ 0.50% · 4.625%
HK$145,559
+HK$7,288/mo
Deposit HK$17.24M · loan HK$25.86M · min. income ≈ HK$276,542/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,831,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,572
−HK$8,627/mo
▼ 0.25% · 3.875%
HK$141,851
−HK$4,348/mo
Today · 4.125%
HK$146,199
baseline
▲ 0.50% · 4.625%
HK$155,095
+HK$8,896/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$292,398/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,047
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$157,152
−HK$4,164/mo
Today · 4.125%
HK$161,316
baseline
▲ 0.50% · 4.625%
HK$169,819
+HK$8,503/mo
Deposit HK$12.93M · loan HK$30.17M · min. income ≈ HK$322,632/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,878
−HK$11,092/mo
▼ 0.25% · 3.875%
HK$182,380
−HK$5,590/mo
Today · 4.125%
HK$187,970
baseline
▲ 0.50% · 4.625%
HK$199,407
+HK$11,437/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$375,940/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,775
−HK$10,631/mo
▼ 0.25% · 3.875%
HK$202,052
−HK$5,354/mo
Today · 4.125%
HK$207,406
baseline
▲ 0.50% · 4.625%
HK$218,339
+HK$10,933/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$414,812/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,498 · Scale 2, in force from 26 Feb 2026)