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$98,858
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,933
−HK$3,124/mo
Today · 4.125%
HK$105,057
baseline
▲ 0.50% · 4.625%
HK$111,450
+HK$6,393/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$210,114/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,979
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,928
−HK$2,992/mo
Today · 4.125%
HK$115,920
baseline
▲ 0.50% · 4.625%
HK$122,031
+HK$6,111/mo
Deposit HK$21.68M · loan HK$21.68M · min. income ≈ HK$231,840/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$1,842,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,630
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$122,320
−HK$3,749/mo
Today · 4.125%
HK$126,069
baseline
▲ 0.50% · 4.625%
HK$133,740
+HK$7,671/mo
Deposit HK$17.34M · loan HK$26.01M · min. income ≈ HK$252,138/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,842,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,974
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$135,514
−HK$3,591/mo
Today · 4.125%
HK$139,105
baseline
▲ 0.50% · 4.625%
HK$146,437
+HK$7,332/mo
Deposit HK$17.34M · loan HK$26.01M · min. income ≈ HK$278,210/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,842,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,401
−HK$8,679/mo
▼ 0.25% · 3.875%
HK$142,706
−HK$4,374/mo
Today · 4.125%
HK$147,080
baseline
▲ 0.50% · 4.625%
HK$156,030
+HK$8,950/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$294,160/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,970
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$158,100
−HK$4,189/mo
Today · 4.125%
HK$162,289
baseline
▲ 0.50% · 4.625%
HK$170,843
+HK$8,554/mo
Deposit HK$13.01M · loan HK$30.35M · min. income ≈ HK$324,578/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,842,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,945
−HK$11,158/mo
▼ 0.25% · 3.875%
HK$183,480
−HK$5,623/mo
Today · 4.125%
HK$189,103
baseline
▲ 0.50% · 4.625%
HK$200,610
+HK$11,507/mo
Deposit HK$4.34M · loan HK$39.02M · min. income ≈ HK$378,206/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,962
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$203,271
−HK$5,386/mo
Today · 4.125%
HK$208,657
baseline
▲ 0.50% · 4.625%
HK$219,655
+HK$10,998/mo
Deposit HK$4.34M · loan HK$39.02M · min. income ≈ HK$417,314/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$1,842,543 · Scale 2, in force from 26 Feb 2026)