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$98,897
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,974
−HK$3,125/mo
Today · 4.125%
HK$105,099
baseline
▲ 0.50% · 4.625%
HK$111,494
+HK$6,395/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$210,198/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,022
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,973
−HK$2,994/mo
Today · 4.125%
HK$115,967
baseline
▲ 0.50% · 4.625%
HK$122,079
+HK$6,112/mo
Deposit HK$21.69M · loan HK$21.69M · min. income ≈ HK$231,934/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$1,843,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,677
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$122,369
−HK$3,750/mo
Today · 4.125%
HK$126,119
baseline
▲ 0.50% · 4.625%
HK$133,793
+HK$7,674/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$252,238/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,027
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,568
−HK$3,592/mo
Today · 4.125%
HK$139,160
baseline
▲ 0.50% · 4.625%
HK$146,495
+HK$7,335/mo
Deposit HK$17.35M · loan HK$26.02M · min. income ≈ HK$278,320/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,843,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,456
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$142,763
−HK$4,376/mo
Today · 4.125%
HK$147,139
baseline
▲ 0.50% · 4.625%
HK$156,092
+HK$8,953/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$294,278/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,031
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$158,163
−HK$4,190/mo
Today · 4.125%
HK$162,353
baseline
▲ 0.50% · 4.625%
HK$170,911
+HK$8,558/mo
Deposit HK$13.01M · loan HK$30.36M · min. income ≈ HK$324,706/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,843,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,015
−HK$11,164/mo
▼ 0.25% · 3.875%
HK$183,553
−HK$5,626/mo
Today · 4.125%
HK$189,179
baseline
▲ 0.50% · 4.625%
HK$200,690
+HK$11,511/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$378,358/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,040
−HK$10,700/mo
▼ 0.25% · 3.875%
HK$203,352
−HK$5,388/mo
Today · 4.125%
HK$208,740
baseline
▲ 0.50% · 4.625%
HK$219,743
+HK$11,003/mo
Deposit HK$4.34M · loan HK$39.03M · min. income ≈ HK$417,480/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,843,277 · Scale 2, in force from 26 Feb 2026)