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$100,043
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,155
−HK$3,162/mo
Today · 4.125%
HK$106,317
baseline
▲ 0.50% · 4.625%
HK$112,786
+HK$6,469/mo
Deposit HK$21.94M · loan HK$21.94M · min. income ≈ HK$212,634/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,297
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,282
−HK$3,028/mo
Today · 4.125%
HK$117,310
baseline
▲ 0.50% · 4.625%
HK$123,494
+HK$6,184/mo
Deposit HK$21.94M · loan HK$21.94M · min. income ≈ HK$234,620/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,052
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,786
−HK$3,794/mo
Today · 4.125%
HK$127,580
baseline
▲ 0.50% · 4.625%
HK$135,343
+HK$7,763/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$255,160/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,557
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,139
−HK$3,633/mo
Today · 4.125%
HK$140,772
baseline
▲ 0.50% · 4.625%
HK$148,193
+HK$7,421/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$281,544/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,061
−HK$8,783/mo
▼ 0.25% · 3.875%
HK$144,417
−HK$4,427/mo
Today · 4.125%
HK$148,844
baseline
▲ 0.50% · 4.625%
HK$157,900
+HK$9,056/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$297,688/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,816
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$159,995
−HK$4,239/mo
Today · 4.125%
HK$164,234
baseline
▲ 0.50% · 4.625%
HK$172,891
+HK$8,657/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$328,468/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,078
−HK$11,292/mo
▼ 0.25% · 3.875%
HK$185,679
−HK$5,691/mo
Today · 4.125%
HK$191,370
baseline
▲ 0.50% · 4.625%
HK$203,015
+HK$11,645/mo
Deposit HK$4.39M · loan HK$39.49M · min. income ≈ HK$382,740/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,335
−HK$10,823/mo
▼ 0.25% · 3.875%
HK$205,708
−HK$5,450/mo
Today · 4.125%
HK$211,158
baseline
▲ 0.50% · 4.625%
HK$222,289
+HK$11,131/mo
Deposit HK$4.39M · loan HK$39.49M · min. income ≈ HK$422,316/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,634 · Scale 2, in force from 26 Feb 2026)