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$100,254
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,372
−HK$3,169/mo
Today · 4.125%
HK$106,541
baseline
▲ 0.50% · 4.625%
HK$113,023
+HK$6,482/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$213,082/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,531
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,523
−HK$3,034/mo
Today · 4.125%
HK$117,557
baseline
▲ 0.50% · 4.625%
HK$123,754
+HK$6,197/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$235,114/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,305
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$124,047
−HK$3,802/mo
Today · 4.125%
HK$127,849
baseline
▲ 0.50% · 4.625%
HK$135,628
+HK$7,779/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$255,698/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,868,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,838
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$137,427
−HK$3,642/mo
Today · 4.125%
HK$141,069
baseline
▲ 0.50% · 4.625%
HK$148,505
+HK$7,436/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$282,138/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,868,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,356
−HK$8,801/mo
▼ 0.25% · 3.875%
HK$144,721
−HK$4,436/mo
Today · 4.125%
HK$149,157
baseline
▲ 0.50% · 4.625%
HK$158,233
+HK$9,076/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$298,314/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,144
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,332
−HK$4,248/mo
Today · 4.125%
HK$164,580
baseline
▲ 0.50% · 4.625%
HK$173,255
+HK$8,675/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$329,160/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,457
−HK$11,316/mo
▼ 0.25% · 3.875%
HK$186,070
−HK$5,703/mo
Today · 4.125%
HK$191,773
baseline
▲ 0.50% · 4.625%
HK$203,442
+HK$11,669/mo
Deposit HK$4.40M · loan HK$39.57M · min. income ≈ HK$383,546/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,868,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,757
−HK$10,846/mo
▼ 0.25% · 3.875%
HK$206,141
−HK$5,462/mo
Today · 4.125%
HK$211,603
baseline
▲ 0.50% · 4.625%
HK$222,757
+HK$11,154/mo
Deposit HK$4.40M · loan HK$39.57M · min. income ≈ HK$423,206/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,868,559 · Scale 2, in force from 26 Feb 2026)