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$99,844
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,949
−HK$3,156/mo
Today · 4.125%
HK$106,105
baseline
▲ 0.50% · 4.625%
HK$112,561
+HK$6,456/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$212,210/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$1,860,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,075
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,054
−HK$3,022/mo
Today · 4.125%
HK$117,076
baseline
▲ 0.50% · 4.625%
HK$123,247
+HK$6,171/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$234,152/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$1,860,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,813
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$123,539
−HK$3,787/mo
Today · 4.125%
HK$127,326
baseline
▲ 0.50% · 4.625%
HK$135,073
+HK$7,747/mo
Deposit HK$17.51M · loan HK$26.27M · min. income ≈ HK$254,652/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,860,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,290
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$136,865
−HK$3,626/mo
Today · 4.125%
HK$140,491
baseline
▲ 0.50% · 4.625%
HK$147,897
+HK$7,406/mo
Deposit HK$17.51M · loan HK$26.27M · min. income ≈ HK$280,982/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,860,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,781
−HK$8,766/mo
▼ 0.25% · 3.875%
HK$144,129
−HK$4,418/mo
Today · 4.125%
HK$148,547
baseline
▲ 0.50% · 4.625%
HK$157,586
+HK$9,039/mo
Deposit HK$13.14M · loan HK$30.65M · min. income ≈ HK$297,094/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,860,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,505
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$159,676
−HK$4,231/mo
Today · 4.125%
HK$163,907
baseline
▲ 0.50% · 4.625%
HK$172,546
+HK$8,639/mo
Deposit HK$13.14M · loan HK$30.65M · min. income ≈ HK$327,814/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,860,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,719
−HK$11,270/mo
▼ 0.25% · 3.875%
HK$185,309
−HK$5,680/mo
Today · 4.125%
HK$190,989
baseline
▲ 0.50% · 4.625%
HK$202,610
+HK$11,621/mo
Deposit HK$4.38M · loan HK$39.41M · min. income ≈ HK$381,978/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,935
−HK$10,802/mo
▼ 0.25% · 3.875%
HK$205,297
−HK$5,440/mo
Today · 4.125%
HK$210,737
baseline
▲ 0.50% · 4.625%
HK$221,845
+HK$11,108/mo
Deposit HK$4.38M · loan HK$39.41M · min. income ≈ HK$421,474/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,914 · Scale 2, in force from 26 Feb 2026)