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$100,147
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,262
−HK$3,165/mo
Today · 4.125%
HK$106,427
baseline
▲ 0.50% · 4.625%
HK$112,903
+HK$6,476/mo
Deposit HK$21.96M · loan HK$21.96M · min. income ≈ HK$212,854/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,866,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,413
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,401
−HK$3,031/mo
Today · 4.125%
HK$117,432
baseline
▲ 0.50% · 4.625%
HK$123,622
+HK$6,190/mo
Deposit HK$21.96M · loan HK$21.96M · min. income ≈ HK$234,864/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,866,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,177
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,915
−HK$3,798/mo
Today · 4.125%
HK$127,713
baseline
▲ 0.50% · 4.625%
HK$135,484
+HK$7,771/mo
Deposit HK$17.57M · loan HK$26.35M · min. income ≈ HK$255,426/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,866,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,695
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,281
−HK$3,638/mo
Today · 4.125%
HK$140,919
baseline
▲ 0.50% · 4.625%
HK$148,347
+HK$7,428/mo
Deposit HK$17.57M · loan HK$26.35M · min. income ≈ HK$281,838/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,866,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,206
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$144,567
−HK$4,431/mo
Today · 4.125%
HK$148,998
baseline
▲ 0.50% · 4.625%
HK$158,065
+HK$9,067/mo
Deposit HK$13.18M · loan HK$30.74M · min. income ≈ HK$297,996/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,866,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,978
−HK$8,427/mo
▼ 0.25% · 3.875%
HK$160,161
−HK$4,244/mo
Today · 4.125%
HK$164,405
baseline
▲ 0.50% · 4.625%
HK$173,071
+HK$8,666/mo
Deposit HK$13.18M · loan HK$30.74M · min. income ≈ HK$328,810/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,866,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,265
−HK$11,304/mo
▼ 0.25% · 3.875%
HK$185,872
−HK$5,697/mo
Today · 4.125%
HK$191,569
baseline
▲ 0.50% · 4.625%
HK$203,226
+HK$11,657/mo
Deposit HK$4.39M · loan HK$39.53M · min. income ≈ HK$383,138/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,866,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,543
−HK$10,835/mo
▼ 0.25% · 3.875%
HK$205,922
−HK$5,456/mo
Today · 4.125%
HK$211,378
baseline
▲ 0.50% · 4.625%
HK$222,520
+HK$11,142/mo
Deposit HK$4.39M · loan HK$39.53M · min. income ≈ HK$422,756/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,866,571 · Scale 2, in force from 26 Feb 2026)