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$99,713
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,815
−HK$3,151/mo
Today · 4.125%
HK$105,966
baseline
▲ 0.50% · 4.625%
HK$112,414
+HK$6,448/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$211,932/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,930
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,905
−HK$3,018/mo
Today · 4.125%
HK$116,923
baseline
▲ 0.50% · 4.625%
HK$123,087
+HK$6,164/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$233,846/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,656
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$123,378
−HK$3,782/mo
Today · 4.125%
HK$127,160
baseline
▲ 0.50% · 4.625%
HK$134,897
+HK$7,737/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$254,320/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,116
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,686
−HK$3,622/mo
Today · 4.125%
HK$140,308
baseline
▲ 0.50% · 4.625%
HK$147,704
+HK$7,396/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$280,616/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,599
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,941
−HK$4,412/mo
Today · 4.125%
HK$148,353
baseline
▲ 0.50% · 4.625%
HK$157,380
+HK$9,027/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$296,706/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,302
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$159,467
−HK$4,226/mo
Today · 4.125%
HK$163,693
baseline
▲ 0.50% · 4.625%
HK$172,321
+HK$8,628/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$327,386/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,484
−HK$11,255/mo
▼ 0.25% · 3.875%
HK$185,067
−HK$5,672/mo
Today · 4.125%
HK$190,739
baseline
▲ 0.50% · 4.625%
HK$202,346
+HK$11,607/mo
Deposit HK$4.37M · loan HK$39.36M · min. income ≈ HK$381,478/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,674
−HK$10,788/mo
▼ 0.25% · 3.875%
HK$205,030
−HK$5,432/mo
Today · 4.125%
HK$210,462
baseline
▲ 0.50% · 4.625%
HK$221,556
+HK$11,094/mo
Deposit HK$4.37M · loan HK$39.36M · min. income ≈ HK$420,924/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,485 · Scale 2, in force from 26 Feb 2026)