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$100,118
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$103,233
−HK$3,164/mo
Today · 4.125%
HK$106,397
baseline
▲ 0.50% · 4.625%
HK$112,871
+HK$6,474/mo
Deposit HK$21.95M · loan HK$21.95M · min. income ≈ HK$212,794/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$1,866,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,381
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,368
−HK$3,030/mo
Today · 4.125%
HK$117,398
baseline
▲ 0.50% · 4.625%
HK$123,587
+HK$6,189/mo
Deposit HK$21.95M · loan HK$21.95M · min. income ≈ HK$234,796/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$1,866,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,142
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,879
−HK$3,797/mo
Today · 4.125%
HK$127,676
baseline
▲ 0.50% · 4.625%
HK$135,445
+HK$7,769/mo
Deposit HK$17.56M · loan HK$26.34M · min. income ≈ HK$255,352/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,866,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,657
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$137,242
−HK$3,636/mo
Today · 4.125%
HK$140,878
baseline
▲ 0.50% · 4.625%
HK$148,304
+HK$7,426/mo
Deposit HK$17.56M · loan HK$26.34M · min. income ≈ HK$281,756/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,866,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,166
−HK$8,790/mo
▼ 0.25% · 3.875%
HK$144,526
−HK$4,430/mo
Today · 4.125%
HK$148,956
baseline
▲ 0.50% · 4.625%
HK$158,019
+HK$9,063/mo
Deposit HK$13.17M · loan HK$30.73M · min. income ≈ HK$297,912/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,866,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,933
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$160,115
−HK$4,243/mo
Today · 4.125%
HK$164,358
baseline
▲ 0.50% · 4.625%
HK$173,021
+HK$8,663/mo
Deposit HK$13.17M · loan HK$30.73M · min. income ≈ HK$328,716/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,866,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,213
−HK$11,301/mo
▼ 0.25% · 3.875%
HK$185,819
−HK$5,695/mo
Today · 4.125%
HK$191,514
baseline
▲ 0.50% · 4.625%
HK$203,167
+HK$11,653/mo
Deposit HK$4.39M · loan HK$39.52M · min. income ≈ HK$383,028/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,866,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,485
−HK$10,832/mo
▼ 0.25% · 3.875%
HK$205,862
−HK$5,455/mo
Today · 4.125%
HK$211,317
baseline
▲ 0.50% · 4.625%
HK$222,456
+HK$11,139/mo
Deposit HK$4.39M · loan HK$39.52M · min. income ≈ HK$422,634/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,866,034 · Scale 2, in force from 26 Feb 2026)