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$99,850
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,956
−HK$3,156/mo
Today · 4.125%
HK$106,112
baseline
▲ 0.50% · 4.625%
HK$112,568
+HK$6,456/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$212,224/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$1,861,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,082
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,061
−HK$3,023/mo
Today · 4.125%
HK$117,084
baseline
▲ 0.50% · 4.625%
HK$123,255
+HK$6,171/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$234,168/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$1,861,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,820
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$123,547
−HK$3,787/mo
Today · 4.125%
HK$127,334
baseline
▲ 0.50% · 4.625%
HK$135,082
+HK$7,748/mo
Deposit HK$17.52M · loan HK$26.27M · min. income ≈ HK$254,668/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,299
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$136,874
−HK$3,626/mo
Today · 4.125%
HK$140,500
baseline
▲ 0.50% · 4.625%
HK$147,906
+HK$7,406/mo
Deposit HK$17.52M · loan HK$26.27M · min. income ≈ HK$281,000/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,790
−HK$8,766/mo
▼ 0.25% · 3.875%
HK$144,138
−HK$4,418/mo
Today · 4.125%
HK$148,556
baseline
▲ 0.50% · 4.625%
HK$157,596
+HK$9,040/mo
Deposit HK$13.14M · loan HK$30.65M · min. income ≈ HK$297,112/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,515
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$159,686
−HK$4,231/mo
Today · 4.125%
HK$163,917
baseline
▲ 0.50% · 4.625%
HK$172,557
+HK$8,640/mo
Deposit HK$13.14M · loan HK$30.65M · min. income ≈ HK$327,834/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,730
−HK$11,271/mo
▼ 0.25% · 3.875%
HK$185,321
−HK$5,680/mo
Today · 4.125%
HK$191,001
baseline
▲ 0.50% · 4.625%
HK$202,623
+HK$11,622/mo
Deposit HK$4.38M · loan HK$39.41M · min. income ≈ HK$382,002/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,948
−HK$10,803/mo
▼ 0.25% · 3.875%
HK$205,311
−HK$5,440/mo
Today · 4.125%
HK$210,751
baseline
▲ 0.50% · 4.625%
HK$221,860
+HK$11,109/mo
Deposit HK$4.38M · loan HK$39.41M · min. income ≈ HK$421,502/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,033 · Scale 2, in force from 26 Feb 2026)