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$100,282
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,401
−HK$3,169/mo
Today · 4.125%
HK$106,570
baseline
▲ 0.50% · 4.625%
HK$113,055
+HK$6,485/mo
Deposit HK$21.99M · loan HK$21.99M · min. income ≈ HK$213,140/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$1,869,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,563
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,555
−HK$3,035/mo
Today · 4.125%
HK$117,590
baseline
▲ 0.50% · 4.625%
HK$123,788
+HK$6,198/mo
Deposit HK$21.99M · loan HK$21.99M · min. income ≈ HK$235,180/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$1,869,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,338
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,081
−HK$3,803/mo
Today · 4.125%
HK$127,884
baseline
▲ 0.50% · 4.625%
HK$135,666
+HK$7,782/mo
Deposit HK$17.59M · loan HK$26.39M · min. income ≈ HK$255,768/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,869,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,875
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,465
−HK$3,643/mo
Today · 4.125%
HK$141,108
baseline
▲ 0.50% · 4.625%
HK$148,546
+HK$7,438/mo
Deposit HK$17.59M · loan HK$26.39M · min. income ≈ HK$282,216/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,869,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,395
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$144,762
−HK$4,437/mo
Today · 4.125%
HK$149,199
baseline
▲ 0.50% · 4.625%
HK$158,277
+HK$9,078/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$298,398/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,869,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,188
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$160,376
−HK$4,250/mo
Today · 4.125%
HK$164,626
baseline
▲ 0.50% · 4.625%
HK$173,304
+HK$8,678/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$329,252/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,869,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,507
−HK$11,320/mo
▼ 0.25% · 3.875%
HK$186,122
−HK$5,705/mo
Today · 4.125%
HK$191,827
baseline
▲ 0.50% · 4.625%
HK$203,499
+HK$11,672/mo
Deposit HK$4.40M · loan HK$39.58M · min. income ≈ HK$383,654/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,813
−HK$10,849/mo
▼ 0.25% · 3.875%
HK$206,198
−HK$5,464/mo
Today · 4.125%
HK$211,662
baseline
▲ 0.50% · 4.625%
HK$222,819
+HK$11,157/mo
Deposit HK$4.40M · loan HK$39.58M · min. income ≈ HK$423,324/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,079 · Scale 2, in force from 26 Feb 2026)