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$100,247
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,366
−HK$3,168/mo
Today · 4.125%
HK$106,534
baseline
▲ 0.50% · 4.625%
HK$113,016
+HK$6,482/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$213,068/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,524
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,515
−HK$3,035/mo
Today · 4.125%
HK$117,550
baseline
▲ 0.50% · 4.625%
HK$123,746
+HK$6,196/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$235,100/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,297
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$124,039
−HK$3,802/mo
Today · 4.125%
HK$127,841
baseline
▲ 0.50% · 4.625%
HK$135,619
+HK$7,778/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$255,682/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,868,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,829
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$137,418
−HK$3,641/mo
Today · 4.125%
HK$141,059
baseline
▲ 0.50% · 4.625%
HK$148,495
+HK$7,436/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$282,118/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,868,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,346
−HK$8,801/mo
▼ 0.25% · 3.875%
HK$144,712
−HK$4,435/mo
Today · 4.125%
HK$149,147
baseline
▲ 0.50% · 4.625%
HK$158,223
+HK$9,076/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$298,294/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,134
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$160,321
−HK$4,248/mo
Today · 4.125%
HK$164,569
baseline
▲ 0.50% · 4.625%
HK$173,244
+HK$8,675/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$329,138/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,445
−HK$11,316/mo
▼ 0.25% · 3.875%
HK$186,058
−HK$5,703/mo
Today · 4.125%
HK$191,761
baseline
▲ 0.50% · 4.625%
HK$203,429
+HK$11,668/mo
Deposit HK$4.40M · loan HK$39.57M · min. income ≈ HK$383,522/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,868,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,744
−HK$10,845/mo
▼ 0.25% · 3.875%
HK$206,127
−HK$5,462/mo
Today · 4.125%
HK$211,589
baseline
▲ 0.50% · 4.625%
HK$222,742
+HK$11,153/mo
Deposit HK$4.40M · loan HK$39.57M · min. income ≈ HK$423,178/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,868,437 · Scale 2, in force from 26 Feb 2026)