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$98,445
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,507
−HK$3,111/mo
Today · 4.125%
HK$104,618
baseline
▲ 0.50% · 4.625%
HK$110,984
+HK$6,366/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$209,236/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$1,834,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,519
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,456
−HK$2,980/mo
Today · 4.125%
HK$115,436
baseline
▲ 0.50% · 4.625%
HK$121,520
+HK$6,084/mo
Deposit HK$21.59M · loan HK$21.59M · min. income ≈ HK$230,872/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$1,834,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,134
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,808
−HK$3,734/mo
Today · 4.125%
HK$125,542
baseline
▲ 0.50% · 4.625%
HK$133,181
+HK$7,639/mo
Deposit HK$17.27M · loan HK$25.90M · min. income ≈ HK$251,084/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,423
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$134,947
−HK$3,576/mo
Today · 4.125%
HK$138,523
baseline
▲ 0.50% · 4.625%
HK$145,825
+HK$7,302/mo
Deposit HK$17.27M · loan HK$25.90M · min. income ≈ HK$277,046/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,823
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$142,110
−HK$4,355/mo
Today · 4.125%
HK$146,465
baseline
▲ 0.50% · 4.625%
HK$155,377
+HK$8,912/mo
Deposit HK$12.95M · loan HK$30.22M · min. income ≈ HK$292,930/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,834,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,326
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$157,438
−HK$4,172/mo
Today · 4.125%
HK$161,610
baseline
▲ 0.50% · 4.625%
HK$170,129
+HK$8,519/mo
Deposit HK$12.95M · loan HK$30.22M · min. income ≈ HK$323,220/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,834,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,200
−HK$11,113/mo
▼ 0.25% · 3.875%
HK$182,712
−HK$5,601/mo
Today · 4.125%
HK$188,313
baseline
▲ 0.50% · 4.625%
HK$199,771
+HK$11,458/mo
Deposit HK$4.32M · loan HK$38.86M · min. income ≈ HK$376,626/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,134
−HK$10,650/mo
▼ 0.25% · 3.875%
HK$202,421
−HK$5,363/mo
Today · 4.125%
HK$207,784
baseline
▲ 0.50% · 4.625%
HK$218,737
+HK$10,953/mo
Deposit HK$4.32M · loan HK$38.86M · min. income ≈ HK$415,568/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,838 · Scale 2, in force from 26 Feb 2026)