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$98,205
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,260
−HK$3,104/mo
Today · 4.125%
HK$104,364
baseline
▲ 0.50% · 4.625%
HK$110,714
+HK$6,350/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,728/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,252
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,183
−HK$2,972/mo
Today · 4.125%
HK$115,155
baseline
▲ 0.50% · 4.625%
HK$121,225
+HK$6,070/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,310/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,830,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,846
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,512
−HK$3,724/mo
Today · 4.125%
HK$125,236
baseline
▲ 0.50% · 4.625%
HK$132,857
+HK$7,621/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,472/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,103
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,619
−HK$3,567/mo
Today · 4.125%
HK$138,186
baseline
▲ 0.50% · 4.625%
HK$145,470
+HK$7,284/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,372/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,488
−HK$8,621/mo
▼ 0.25% · 3.875%
HK$141,764
−HK$4,345/mo
Today · 4.125%
HK$146,109
baseline
▲ 0.50% · 4.625%
HK$155,000
+HK$8,891/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$292,218/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,953
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$157,056
−HK$4,161/mo
Today · 4.125%
HK$161,217
baseline
▲ 0.50% · 4.625%
HK$169,715
+HK$8,498/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$322,434/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,770
−HK$11,085/mo
▼ 0.25% · 3.875%
HK$182,268
−HK$5,587/mo
Today · 4.125%
HK$187,855
baseline
▲ 0.50% · 4.625%
HK$199,285
+HK$11,430/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$375,710/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,654
−HK$10,625/mo
▼ 0.25% · 3.875%
HK$201,929
−HK$5,350/mo
Today · 4.125%
HK$207,279
baseline
▲ 0.50% · 4.625%
HK$218,205
+HK$10,926/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$414,558/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,377 · Scale 2, in force from 26 Feb 2026)