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$99,812
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,917
−HK$3,154/mo
Today · 4.125%
HK$106,071
baseline
▲ 0.50% · 4.625%
HK$112,526
+HK$6,455/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$212,142/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$1,860,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,040
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,018
−HK$3,021/mo
Today · 4.125%
HK$117,039
baseline
▲ 0.50% · 4.625%
HK$123,209
+HK$6,170/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$234,078/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$1,860,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,775
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$123,501
−HK$3,785/mo
Today · 4.125%
HK$127,286
baseline
▲ 0.50% · 4.625%
HK$135,031
+HK$7,745/mo
Deposit HK$17.51M · loan HK$26.26M · min. income ≈ HK$254,572/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,860,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,248
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$136,822
−HK$3,625/mo
Today · 4.125%
HK$140,447
baseline
▲ 0.50% · 4.625%
HK$147,850
+HK$7,403/mo
Deposit HK$17.51M · loan HK$26.26M · min. income ≈ HK$280,894/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,860,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,737
−HK$8,763/mo
▼ 0.25% · 3.875%
HK$144,084
−HK$4,416/mo
Today · 4.125%
HK$148,500
baseline
▲ 0.50% · 4.625%
HK$157,536
+HK$9,036/mo
Deposit HK$13.13M · loan HK$30.64M · min. income ≈ HK$297,000/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,860,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,456
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$159,626
−HK$4,229/mo
Today · 4.125%
HK$163,855
baseline
▲ 0.50% · 4.625%
HK$172,492
+HK$8,637/mo
Deposit HK$13.13M · loan HK$30.64M · min. income ≈ HK$327,710/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,860,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,662
−HK$11,267/mo
▼ 0.25% · 3.875%
HK$185,251
−HK$5,678/mo
Today · 4.125%
HK$190,929
baseline
▲ 0.50% · 4.625%
HK$202,546
+HK$11,617/mo
Deposit HK$4.38M · loan HK$39.40M · min. income ≈ HK$381,858/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,872
−HK$10,799/mo
▼ 0.25% · 3.875%
HK$205,233
−HK$5,438/mo
Today · 4.125%
HK$210,671
baseline
▲ 0.50% · 4.625%
HK$221,776
+HK$11,105/mo
Deposit HK$4.38M · loan HK$39.40M · min. income ≈ HK$421,342/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,329 · Scale 2, in force from 26 Feb 2026)