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$99,266
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,354
−HK$3,137/mo
Today · 4.125%
HK$105,491
baseline
▲ 0.50% · 4.625%
HK$111,910
+HK$6,419/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$210,982/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,433
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,395
−HK$3,004/mo
Today · 4.125%
HK$116,399
baseline
▲ 0.50% · 4.625%
HK$122,535
+HK$6,136/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$232,798/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,120
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,825
−HK$3,765/mo
Today · 4.125%
HK$126,590
baseline
▲ 0.50% · 4.625%
HK$134,292
+HK$7,702/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$253,180/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,850,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,520
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,074
−HK$3,605/mo
Today · 4.125%
HK$139,679
baseline
▲ 0.50% · 4.625%
HK$147,042
+HK$7,363/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$279,358/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,850,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,973
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,296
−HK$4,392/mo
Today · 4.125%
HK$147,688
baseline
▲ 0.50% · 4.625%
HK$156,674
+HK$8,986/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$295,376/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,850,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,606
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,753
−HK$4,206/mo
Today · 4.125%
HK$162,959
baseline
▲ 0.50% · 4.625%
HK$171,549
+HK$8,590/mo
Deposit HK$13.06M · loan HK$30.47M · min. income ≈ HK$325,918/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,850,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,680
−HK$11,204/mo
▼ 0.25% · 3.875%
HK$184,238
−HK$5,646/mo
Today · 4.125%
HK$189,884
baseline
▲ 0.50% · 4.625%
HK$201,438
+HK$11,554/mo
Deposit HK$4.35M · loan HK$39.18M · min. income ≈ HK$379,768/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,850,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,779
−HK$10,740/mo
▼ 0.25% · 3.875%
HK$204,110
−HK$5,409/mo
Today · 4.125%
HK$209,519
baseline
▲ 0.50% · 4.625%
HK$220,563
+HK$11,044/mo
Deposit HK$4.35M · loan HK$39.18M · min. income ≈ HK$419,038/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,850,154 · Scale 2, in force from 26 Feb 2026)