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$99,909
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,016
−HK$3,158/mo
Today · 4.125%
HK$106,174
baseline
▲ 0.50% · 4.625%
HK$112,634
+HK$6,460/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$212,348/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,147
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,128
−HK$3,024/mo
Today · 4.125%
HK$117,152
baseline
▲ 0.50% · 4.625%
HK$123,328
+HK$6,176/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$234,304/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,890
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$123,620
−HK$3,789/mo
Today · 4.125%
HK$127,409
baseline
▲ 0.50% · 4.625%
HK$135,161
+HK$7,752/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$254,818/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,377
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,954
−HK$3,629/mo
Today · 4.125%
HK$140,583
baseline
▲ 0.50% · 4.625%
HK$147,993
+HK$7,410/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$281,166/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,872
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$144,223
−HK$4,420/mo
Today · 4.125%
HK$148,643
baseline
▲ 0.50% · 4.625%
HK$157,688
+HK$9,045/mo
Deposit HK$13.14M · loan HK$30.67M · min. income ≈ HK$297,286/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,606
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$159,780
−HK$4,233/mo
Today · 4.125%
HK$164,013
baseline
▲ 0.50% · 4.625%
HK$172,659
+HK$8,646/mo
Deposit HK$13.14M · loan HK$30.67M · min. income ≈ HK$328,026/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,836
−HK$11,277/mo
▼ 0.25% · 3.875%
HK$185,430
−HK$5,683/mo
Today · 4.125%
HK$191,113
baseline
▲ 0.50% · 4.625%
HK$202,742
+HK$11,629/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$382,226/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,065
−HK$10,809/mo
▼ 0.25% · 3.875%
HK$205,431
−HK$5,443/mo
Today · 4.125%
HK$210,874
baseline
▲ 0.50% · 4.625%
HK$221,990
+HK$11,116/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$421,748/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,124 · Scale 2, in force from 26 Feb 2026)