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$99,011
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,091
−HK$3,129/mo
Today · 4.125%
HK$105,220
baseline
▲ 0.50% · 4.625%
HK$111,622
+HK$6,402/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$210,440/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,149
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,103
−HK$2,997/mo
Today · 4.125%
HK$116,100
baseline
▲ 0.50% · 4.625%
HK$122,220
+HK$6,120/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$232,200/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,813
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$122,509
−HK$3,755/mo
Today · 4.125%
HK$126,264
baseline
▲ 0.50% · 4.625%
HK$133,947
+HK$7,683/mo
Deposit HK$17.37M · loan HK$26.05M · min. income ≈ HK$252,528/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,845,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,179
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$135,723
−HK$3,597/mo
Today · 4.125%
HK$139,320
baseline
▲ 0.50% · 4.625%
HK$146,663
+HK$7,343/mo
Deposit HK$17.37M · loan HK$26.05M · min. income ≈ HK$278,640/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,845,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,615
−HK$8,693/mo
▼ 0.25% · 3.875%
HK$142,927
−HK$4,381/mo
Today · 4.125%
HK$147,308
baseline
▲ 0.50% · 4.625%
HK$156,271
+HK$8,963/mo
Deposit HK$13.03M · loan HK$30.39M · min. income ≈ HK$294,616/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,208
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$158,344
−HK$4,196/mo
Today · 4.125%
HK$162,540
baseline
▲ 0.50% · 4.625%
HK$171,107
+HK$8,567/mo
Deposit HK$13.03M · loan HK$30.39M · min. income ≈ HK$325,080/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,220
−HK$11,176/mo
▼ 0.25% · 3.875%
HK$183,764
−HK$5,632/mo
Today · 4.125%
HK$189,396
baseline
▲ 0.50% · 4.625%
HK$200,920
+HK$11,524/mo
Deposit HK$4.34M · loan HK$39.08M · min. income ≈ HK$378,792/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,268
−HK$10,712/mo
▼ 0.25% · 3.875%
HK$203,585
−HK$5,395/mo
Today · 4.125%
HK$208,980
baseline
▲ 0.50% · 4.625%
HK$219,995
+HK$11,015/mo
Deposit HK$4.34M · loan HK$39.08M · min. income ≈ HK$417,960/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,393 · Scale 2, in force from 26 Feb 2026)