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$99,744
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,846
−HK$3,153/mo
Today · 4.125%
HK$105,999
baseline
▲ 0.50% · 4.625%
HK$112,448
+HK$6,449/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$211,998/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,964
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,940
−HK$3,019/mo
Today · 4.125%
HK$116,959
baseline
▲ 0.50% · 4.625%
HK$123,124
+HK$6,165/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$233,918/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,693
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$123,416
−HK$3,782/mo
Today · 4.125%
HK$127,198
baseline
▲ 0.50% · 4.625%
HK$134,938
+HK$7,740/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$254,396/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,157
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$136,728
−HK$3,623/mo
Today · 4.125%
HK$140,351
baseline
▲ 0.50% · 4.625%
HK$147,749
+HK$7,398/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$280,702/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,641
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$143,985
−HK$4,413/mo
Today · 4.125%
HK$148,398
baseline
▲ 0.50% · 4.625%
HK$157,428
+HK$9,030/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$296,796/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,350
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$159,516
−HK$4,227/mo
Today · 4.125%
HK$163,743
baseline
▲ 0.50% · 4.625%
HK$172,374
+HK$8,631/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$327,486/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,539
−HK$11,258/mo
▼ 0.25% · 3.875%
HK$185,123
−HK$5,674/mo
Today · 4.125%
HK$190,797
baseline
▲ 0.50% · 4.625%
HK$202,407
+HK$11,610/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$381,594/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,735
−HK$10,791/mo
▼ 0.25% · 3.875%
HK$205,092
−HK$5,434/mo
Today · 4.125%
HK$210,526
baseline
▲ 0.50% · 4.625%
HK$221,623
+HK$11,097/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$421,052/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,050 · Scale 2, in force from 26 Feb 2026)