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$100,256
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,375
−HK$3,168/mo
Today · 4.125%
HK$106,543
baseline
▲ 0.50% · 4.625%
HK$113,026
+HK$6,483/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$213,086/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,534
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,526
−HK$3,034/mo
Today · 4.125%
HK$117,560
baseline
▲ 0.50% · 4.625%
HK$123,757
+HK$6,197/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$235,120/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,308
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$124,050
−HK$3,802/mo
Today · 4.125%
HK$127,852
baseline
▲ 0.50% · 4.625%
HK$135,632
+HK$7,780/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$255,704/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,868,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,841
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$137,431
−HK$3,641/mo
Today · 4.125%
HK$141,072
baseline
▲ 0.50% · 4.625%
HK$148,508
+HK$7,436/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$282,144/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,868,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,359
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,725
−HK$4,436/mo
Today · 4.125%
HK$149,161
baseline
▲ 0.50% · 4.625%
HK$158,237
+HK$9,076/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$298,322/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,148
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,336
−HK$4,248/mo
Today · 4.125%
HK$164,584
baseline
▲ 0.50% · 4.625%
HK$173,260
+HK$8,676/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$329,168/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,462
−HK$11,316/mo
▼ 0.25% · 3.875%
HK$186,075
−HK$5,703/mo
Today · 4.125%
HK$191,778
baseline
▲ 0.50% · 4.625%
HK$203,447
+HK$11,669/mo
Deposit HK$4.40M · loan HK$39.57M · min. income ≈ HK$383,556/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,868,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,762
−HK$10,846/mo
▼ 0.25% · 3.875%
HK$206,146
−HK$5,462/mo
Today · 4.125%
HK$211,608
baseline
▲ 0.50% · 4.625%
HK$222,762
+HK$11,154/mo
Deposit HK$4.40M · loan HK$39.57M · min. income ≈ HK$423,216/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,868,605 · Scale 2, in force from 26 Feb 2026)