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$100,176
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,292
−HK$3,166/mo
Today · 4.125%
HK$106,458
baseline
▲ 0.50% · 4.625%
HK$112,935
+HK$6,477/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$212,916/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,867,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,444
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,433
−HK$3,032/mo
Today · 4.125%
HK$117,465
baseline
▲ 0.50% · 4.625%
HK$123,657
+HK$6,192/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$234,930/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,867,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,211
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,950
−HK$3,799/mo
Today · 4.125%
HK$127,749
baseline
▲ 0.50% · 4.625%
HK$135,522
+HK$7,773/mo
Deposit HK$17.57M · loan HK$26.36M · min. income ≈ HK$255,498/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,867,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,733
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,320
−HK$3,639/mo
Today · 4.125%
HK$140,959
baseline
▲ 0.50% · 4.625%
HK$148,389
+HK$7,430/mo
Deposit HK$17.57M · loan HK$26.36M · min. income ≈ HK$281,918/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,867,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,246
−HK$8,795/mo
▼ 0.25% · 3.875%
HK$144,608
−HK$4,433/mo
Today · 4.125%
HK$149,041
baseline
▲ 0.50% · 4.625%
HK$158,109
+HK$9,068/mo
Deposit HK$13.18M · loan HK$30.75M · min. income ≈ HK$298,082/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,022
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$160,207
−HK$4,245/mo
Today · 4.125%
HK$164,452
baseline
▲ 0.50% · 4.625%
HK$173,120
+HK$8,668/mo
Deposit HK$13.18M · loan HK$30.75M · min. income ≈ HK$328,904/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,316
−HK$11,308/mo
▼ 0.25% · 3.875%
HK$185,925
−HK$5,699/mo
Today · 4.125%
HK$191,624
baseline
▲ 0.50% · 4.625%
HK$203,284
+HK$11,660/mo
Deposit HK$4.39M · loan HK$39.54M · min. income ≈ HK$383,248/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,600
−HK$10,838/mo
▼ 0.25% · 3.875%
HK$205,980
−HK$5,458/mo
Today · 4.125%
HK$211,438
baseline
▲ 0.50% · 4.625%
HK$222,583
+HK$11,145/mo
Deposit HK$4.39M · loan HK$39.54M · min. income ≈ HK$422,876/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,101 · Scale 2, in force from 26 Feb 2026)