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$99,974
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,084
−HK$3,160/mo
Today · 4.125%
HK$106,244
baseline
▲ 0.50% · 4.625%
HK$112,708
+HK$6,464/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$212,488/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$1,863,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,220
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,203
−HK$3,026/mo
Today · 4.125%
HK$117,229
baseline
▲ 0.50% · 4.625%
HK$123,409
+HK$6,180/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$234,458/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$1,863,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,969
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$123,701
−HK$3,791/mo
Today · 4.125%
HK$127,492
baseline
▲ 0.50% · 4.625%
HK$135,250
+HK$7,758/mo
Deposit HK$17.54M · loan HK$26.31M · min. income ≈ HK$254,984/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,465
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$137,044
−HK$3,631/mo
Today · 4.125%
HK$140,675
baseline
▲ 0.50% · 4.625%
HK$148,090
+HK$7,415/mo
Deposit HK$17.54M · loan HK$26.31M · min. income ≈ HK$281,350/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,964
−HK$8,777/mo
▼ 0.25% · 3.875%
HK$144,318
−HK$4,423/mo
Today · 4.125%
HK$148,741
baseline
▲ 0.50% · 4.625%
HK$157,792
+HK$9,051/mo
Deposit HK$13.15M · loan HK$30.69M · min. income ≈ HK$297,482/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,863,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,709
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$159,885
−HK$4,236/mo
Today · 4.125%
HK$164,121
baseline
▲ 0.50% · 4.625%
HK$172,772
+HK$8,651/mo
Deposit HK$13.15M · loan HK$30.69M · min. income ≈ HK$328,242/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,863,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,954
−HK$11,284/mo
▼ 0.25% · 3.875%
HK$185,551
−HK$5,687/mo
Today · 4.125%
HK$191,238
baseline
▲ 0.50% · 4.625%
HK$202,875
+HK$11,637/mo
Deposit HK$4.38M · loan HK$39.46M · min. income ≈ HK$382,476/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,197
−HK$10,816/mo
▼ 0.25% · 3.875%
HK$205,566
−HK$5,447/mo
Today · 4.125%
HK$211,013
baseline
▲ 0.50% · 4.625%
HK$222,136
+HK$11,123/mo
Deposit HK$4.38M · loan HK$39.46M · min. income ≈ HK$422,026/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,347 · Scale 2, in force from 26 Feb 2026)