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$99,904
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,011
−HK$3,158/mo
Today · 4.125%
HK$106,169
baseline
▲ 0.50% · 4.625%
HK$112,629
+HK$6,460/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$212,338/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,142
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,123
−HK$3,024/mo
Today · 4.125%
HK$117,147
baseline
▲ 0.50% · 4.625%
HK$123,322
+HK$6,175/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$234,294/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,885
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$123,614
−HK$3,788/mo
Today · 4.125%
HK$127,402
baseline
▲ 0.50% · 4.625%
HK$135,155
+HK$7,753/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$254,804/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,370
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,947
−HK$3,629/mo
Today · 4.125%
HK$140,576
baseline
▲ 0.50% · 4.625%
HK$147,986
+HK$7,410/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$281,152/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,865
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$144,216
−HK$4,420/mo
Today · 4.125%
HK$148,636
baseline
▲ 0.50% · 4.625%
HK$157,680
+HK$9,044/mo
Deposit HK$13.14M · loan HK$30.67M · min. income ≈ HK$297,272/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,599
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$159,772
−HK$4,233/mo
Today · 4.125%
HK$164,005
baseline
▲ 0.50% · 4.625%
HK$172,650
+HK$8,645/mo
Deposit HK$13.14M · loan HK$30.67M · min. income ≈ HK$328,010/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,827
−HK$11,277/mo
▼ 0.25% · 3.875%
HK$185,421
−HK$5,683/mo
Today · 4.125%
HK$191,104
baseline
▲ 0.50% · 4.625%
HK$202,732
+HK$11,628/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$382,208/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,056
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$205,421
−HK$5,443/mo
Today · 4.125%
HK$210,864
baseline
▲ 0.50% · 4.625%
HK$221,979
+HK$11,115/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$421,728/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,035 · Scale 2, in force from 26 Feb 2026)