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$100,178
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,294
−HK$3,166/mo
Today · 4.125%
HK$106,460
baseline
▲ 0.50% · 4.625%
HK$112,938
+HK$6,478/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$212,920/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,867,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,447
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,436
−HK$3,032/mo
Today · 4.125%
HK$117,468
baseline
▲ 0.50% · 4.625%
HK$123,660
+HK$6,192/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$234,936/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,867,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,214
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,953
−HK$3,799/mo
Today · 4.125%
HK$127,752
baseline
▲ 0.50% · 4.625%
HK$135,526
+HK$7,774/mo
Deposit HK$17.57M · loan HK$26.36M · min. income ≈ HK$255,504/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,867,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,737
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$137,323
−HK$3,639/mo
Today · 4.125%
HK$140,962
baseline
▲ 0.50% · 4.625%
HK$148,392
+HK$7,430/mo
Deposit HK$17.57M · loan HK$26.36M · min. income ≈ HK$281,924/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,867,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,250
−HK$8,794/mo
▼ 0.25% · 3.875%
HK$144,612
−HK$4,432/mo
Today · 4.125%
HK$149,044
baseline
▲ 0.50% · 4.625%
HK$158,113
+HK$9,069/mo
Deposit HK$13.18M · loan HK$30.75M · min. income ≈ HK$298,088/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,026
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$160,211
−HK$4,245/mo
Today · 4.125%
HK$164,456
baseline
▲ 0.50% · 4.625%
HK$173,124
+HK$8,668/mo
Deposit HK$13.18M · loan HK$30.75M · min. income ≈ HK$328,912/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,321
−HK$11,307/mo
▼ 0.25% · 3.875%
HK$185,930
−HK$5,698/mo
Today · 4.125%
HK$191,628
baseline
▲ 0.50% · 4.625%
HK$203,289
+HK$11,661/mo
Deposit HK$4.39M · loan HK$39.54M · min. income ≈ HK$383,256/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,605
−HK$10,838/mo
▼ 0.25% · 3.875%
HK$205,985
−HK$5,458/mo
Today · 4.125%
HK$211,443
baseline
▲ 0.50% · 4.625%
HK$222,589
+HK$11,146/mo
Deposit HK$4.39M · loan HK$39.54M · min. income ≈ HK$422,886/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,148 · Scale 2, in force from 26 Feb 2026)