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$99,906
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,013
−HK$3,158/mo
Today · 4.125%
HK$106,171
baseline
▲ 0.50% · 4.625%
HK$112,631
+HK$6,460/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$212,342/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,144
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,125
−HK$3,024/mo
Today · 4.125%
HK$117,149
baseline
▲ 0.50% · 4.625%
HK$123,324
+HK$6,175/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$234,298/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,887
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$123,616
−HK$3,789/mo
Today · 4.125%
HK$127,405
baseline
▲ 0.50% · 4.625%
HK$135,157
+HK$7,752/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$254,810/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,373
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,950
−HK$3,629/mo
Today · 4.125%
HK$140,579
baseline
▲ 0.50% · 4.625%
HK$147,989
+HK$7,410/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$281,158/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,868
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$144,219
−HK$4,420/mo
Today · 4.125%
HK$148,639
baseline
▲ 0.50% · 4.625%
HK$157,683
+HK$9,044/mo
Deposit HK$13.14M · loan HK$30.67M · min. income ≈ HK$297,278/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,602
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$159,775
−HK$4,233/mo
Today · 4.125%
HK$164,008
baseline
▲ 0.50% · 4.625%
HK$172,653
+HK$8,645/mo
Deposit HK$13.14M · loan HK$30.67M · min. income ≈ HK$328,016/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,830
−HK$11,277/mo
▼ 0.25% · 3.875%
HK$185,424
−HK$5,683/mo
Today · 4.125%
HK$191,107
baseline
▲ 0.50% · 4.625%
HK$202,736
+HK$11,629/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$382,214/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,059
−HK$10,809/mo
▼ 0.25% · 3.875%
HK$205,425
−HK$5,443/mo
Today · 4.125%
HK$210,868
baseline
▲ 0.50% · 4.625%
HK$221,983
+HK$11,115/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$421,736/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,068 · Scale 2, in force from 26 Feb 2026)