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$98,000
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,048
−HK$3,097/mo
Today · 4.125%
HK$104,145
baseline
▲ 0.50% · 4.625%
HK$110,482
+HK$6,337/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$208,290/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,826,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,024
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,948
−HK$2,966/mo
Today · 4.125%
HK$114,914
baseline
▲ 0.50% · 4.625%
HK$120,971
+HK$6,057/mo
Deposit HK$21.49M · loan HK$21.49M · min. income ≈ HK$229,828/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$1,826,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,600
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$121,258
−HK$3,716/mo
Today · 4.125%
HK$124,974
baseline
▲ 0.50% · 4.625%
HK$132,579
+HK$7,605/mo
Deposit HK$17.19M · loan HK$25.79M · min. income ≈ HK$249,948/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,829
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$134,337
−HK$3,560/mo
Today · 4.125%
HK$137,897
baseline
▲ 0.50% · 4.625%
HK$145,166
+HK$7,269/mo
Deposit HK$17.19M · loan HK$25.79M · min. income ≈ HK$275,794/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,826,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,200
−HK$8,603/mo
▼ 0.25% · 3.875%
HK$141,467
−HK$4,336/mo
Today · 4.125%
HK$145,803
baseline
▲ 0.50% · 4.625%
HK$154,675
+HK$8,872/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$291,606/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,633
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$156,727
−HK$4,153/mo
Today · 4.125%
HK$160,880
baseline
▲ 0.50% · 4.625%
HK$169,360
+HK$8,480/mo
Deposit HK$12.89M · loan HK$30.08M · min. income ≈ HK$321,760/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,826,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,400
−HK$11,062/mo
▼ 0.25% · 3.875%
HK$181,887
−HK$5,575/mo
Today · 4.125%
HK$187,462
baseline
▲ 0.50% · 4.625%
HK$198,868
+HK$11,406/mo
Deposit HK$4.30M · loan HK$38.68M · min. income ≈ HK$374,924/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,243
−HK$10,602/mo
▼ 0.25% · 3.875%
HK$201,506
−HK$5,339/mo
Today · 4.125%
HK$206,845
baseline
▲ 0.50% · 4.625%
HK$217,748
+HK$10,903/mo
Deposit HK$4.30M · loan HK$38.68M · min. income ≈ HK$413,690/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$1,826,547 · Scale 2, in force from 26 Feb 2026)