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$98,785
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,858
−HK$3,122/mo
Today · 4.125%
HK$104,980
baseline
▲ 0.50% · 4.625%
HK$111,367
+HK$6,387/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$209,960/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,897
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,845
−HK$2,990/mo
Today · 4.125%
HK$115,835
baseline
▲ 0.50% · 4.625%
HK$121,940
+HK$6,105/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$231,670/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,542
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$122,229
−HK$3,746/mo
Today · 4.125%
HK$125,975
baseline
▲ 0.50% · 4.625%
HK$133,641
+HK$7,666/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$251,950/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,877
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$135,413
−HK$3,588/mo
Today · 4.125%
HK$139,001
baseline
▲ 0.50% · 4.625%
HK$146,328
+HK$7,327/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$278,002/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,299
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$142,601
−HK$4,370/mo
Today · 4.125%
HK$146,971
baseline
▲ 0.50% · 4.625%
HK$155,914
+HK$8,943/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$293,942/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,856
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$157,982
−HK$4,186/mo
Today · 4.125%
HK$162,168
baseline
▲ 0.50% · 4.625%
HK$170,716
+HK$8,548/mo
Deposit HK$13.00M · loan HK$30.33M · min. income ≈ HK$324,336/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,813
−HK$11,150/mo
▼ 0.25% · 3.875%
HK$183,344
−HK$5,619/mo
Today · 4.125%
HK$188,963
baseline
▲ 0.50% · 4.625%
HK$200,461
+HK$11,498/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$377,926/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,815
−HK$10,687/mo
▼ 0.25% · 3.875%
HK$203,120
−HK$5,382/mo
Today · 4.125%
HK$208,502
baseline
▲ 0.50% · 4.625%
HK$219,493
+HK$10,991/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$417,004/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,177 · Scale 2, in force from 26 Feb 2026)