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$100,210
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,327
−HK$3,167/mo
Today · 4.125%
HK$106,494
baseline
▲ 0.50% · 4.625%
HK$112,974
+HK$6,480/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$212,988/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,483
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,472
−HK$3,034/mo
Today · 4.125%
HK$117,506
baseline
▲ 0.50% · 4.625%
HK$123,699
+HK$6,193/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$235,012/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,252
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$123,992
−HK$3,801/mo
Today · 4.125%
HK$127,793
baseline
▲ 0.50% · 4.625%
HK$135,569
+HK$7,776/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$255,586/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,867,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,779
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,367
−HK$3,640/mo
Today · 4.125%
HK$141,007
baseline
▲ 0.50% · 4.625%
HK$148,439
+HK$7,432/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$282,014/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,867,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,294
−HK$8,798/mo
▼ 0.25% · 3.875%
HK$144,658
−HK$4,434/mo
Today · 4.125%
HK$149,092
baseline
▲ 0.50% · 4.625%
HK$158,163
+HK$9,071/mo
Deposit HK$13.18M · loan HK$30.76M · min. income ≈ HK$298,184/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,076
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$160,261
−HK$4,247/mo
Today · 4.125%
HK$164,508
baseline
▲ 0.50% · 4.625%
HK$173,179
+HK$8,671/mo
Deposit HK$13.18M · loan HK$30.76M · min. income ≈ HK$329,016/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,378
−HK$11,311/mo
▼ 0.25% · 3.875%
HK$185,989
−HK$5,700/mo
Today · 4.125%
HK$191,689
baseline
▲ 0.50% · 4.625%
HK$203,353
+HK$11,664/mo
Deposit HK$4.39M · loan HK$39.55M · min. income ≈ HK$383,378/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,669
−HK$10,841/mo
▼ 0.25% · 3.875%
HK$206,050
−HK$5,460/mo
Today · 4.125%
HK$211,510
baseline
▲ 0.50% · 4.625%
HK$222,659
+HK$11,149/mo
Deposit HK$4.39M · loan HK$39.55M · min. income ≈ HK$423,020/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,738 · Scale 2, in force from 26 Feb 2026)