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$100,189
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,305
−HK$3,167/mo
Today · 4.125%
HK$106,472
baseline
▲ 0.50% · 4.625%
HK$112,950
+HK$6,478/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$212,944/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,459
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,448
−HK$3,033/mo
Today · 4.125%
HK$117,481
baseline
▲ 0.50% · 4.625%
HK$123,673
+HK$6,192/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$234,962/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,227
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$123,966
−HK$3,800/mo
Today · 4.125%
HK$127,766
baseline
▲ 0.50% · 4.625%
HK$135,540
+HK$7,774/mo
Deposit HK$17.58M · loan HK$26.36M · min. income ≈ HK$255,532/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,867,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,751
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,338
−HK$3,639/mo
Today · 4.125%
HK$140,977
baseline
▲ 0.50% · 4.625%
HK$148,408
+HK$7,431/mo
Deposit HK$17.58M · loan HK$26.36M · min. income ≈ HK$281,954/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,867,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,264
−HK$8,796/mo
▼ 0.25% · 3.875%
HK$144,627
−HK$4,433/mo
Today · 4.125%
HK$149,060
baseline
▲ 0.50% · 4.625%
HK$158,130
+HK$9,070/mo
Deposit HK$13.18M · loan HK$30.76M · min. income ≈ HK$298,120/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,043
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$160,228
−HK$4,245/mo
Today · 4.125%
HK$164,473
baseline
▲ 0.50% · 4.625%
HK$173,143
+HK$8,670/mo
Deposit HK$13.18M · loan HK$30.76M · min. income ≈ HK$328,946/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,340
−HK$11,309/mo
▼ 0.25% · 3.875%
HK$185,949
−HK$5,700/mo
Today · 4.125%
HK$191,649
baseline
▲ 0.50% · 4.625%
HK$203,310
+HK$11,661/mo
Deposit HK$4.39M · loan HK$39.54M · min. income ≈ HK$383,298/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,626
−HK$10,840/mo
▼ 0.25% · 3.875%
HK$206,007
−HK$5,459/mo
Today · 4.125%
HK$211,466
baseline
▲ 0.50% · 4.625%
HK$222,612
+HK$11,146/mo
Deposit HK$4.39M · loan HK$39.54M · min. income ≈ HK$422,932/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,345 · Scale 2, in force from 26 Feb 2026)