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$99,562
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,659
−HK$3,146/mo
Today · 4.125%
HK$105,805
baseline
▲ 0.50% · 4.625%
HK$112,243
+HK$6,438/mo
Deposit HK$21.83M · loan HK$21.83M · min. income ≈ HK$211,610/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,855,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,761
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,732
−HK$3,013/mo
Today · 4.125%
HK$116,745
baseline
▲ 0.50% · 4.625%
HK$122,899
+HK$6,154/mo
Deposit HK$21.83M · loan HK$21.83M · min. income ≈ HK$233,490/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,855,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,474
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,190
−HK$3,776/mo
Today · 4.125%
HK$126,966
baseline
▲ 0.50% · 4.625%
HK$134,692
+HK$7,726/mo
Deposit HK$17.46M · loan HK$26.20M · min. income ≈ HK$253,932/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,855,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,914
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$136,478
−HK$3,616/mo
Today · 4.125%
HK$140,094
baseline
▲ 0.50% · 4.625%
HK$147,479
+HK$7,385/mo
Deposit HK$17.46M · loan HK$26.20M · min. income ≈ HK$280,188/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,855,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,386
−HK$8,741/mo
▼ 0.25% · 3.875%
HK$143,722
−HK$4,405/mo
Today · 4.125%
HK$148,127
baseline
▲ 0.50% · 4.625%
HK$157,140
+HK$9,013/mo
Deposit HK$13.10M · loan HK$30.56M · min. income ≈ HK$296,254/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,855,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,066
−HK$8,377/mo
▼ 0.25% · 3.875%
HK$159,225
−HK$4,218/mo
Today · 4.125%
HK$163,443
baseline
▲ 0.50% · 4.625%
HK$172,059
+HK$8,616/mo
Deposit HK$13.10M · loan HK$30.56M · min. income ≈ HK$326,886/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,855,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,211
−HK$11,238/mo
▼ 0.25% · 3.875%
HK$184,785
−HK$5,664/mo
Today · 4.125%
HK$190,449
baseline
▲ 0.50% · 4.625%
HK$202,037
+HK$11,588/mo
Deposit HK$4.37M · loan HK$39.30M · min. income ≈ HK$380,898/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,855,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,370
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$204,717
−HK$5,425/mo
Today · 4.125%
HK$210,142
baseline
▲ 0.50% · 4.625%
HK$221,218
+HK$11,076/mo
Deposit HK$4.37M · loan HK$39.30M · min. income ≈ HK$420,284/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,855,655 · Scale 2, in force from 26 Feb 2026)