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$99,706
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,807
−HK$3,151/mo
Today · 4.125%
HK$105,958
baseline
▲ 0.50% · 4.625%
HK$112,406
+HK$6,448/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$211,916/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,922
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,897
−HK$3,018/mo
Today · 4.125%
HK$116,915
baseline
▲ 0.50% · 4.625%
HK$123,077
+HK$6,162/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$233,830/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,647
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,369
−HK$3,781/mo
Today · 4.125%
HK$127,150
baseline
▲ 0.50% · 4.625%
HK$134,887
+HK$7,737/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$254,300/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,106
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,676
−HK$3,622/mo
Today · 4.125%
HK$140,298
baseline
▲ 0.50% · 4.625%
HK$147,693
+HK$7,395/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$280,596/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,588
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,930
−HK$4,412/mo
Today · 4.125%
HK$148,342
baseline
▲ 0.50% · 4.625%
HK$157,368
+HK$9,026/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$296,684/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,291
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$159,455
−HK$4,226/mo
Today · 4.125%
HK$163,681
baseline
▲ 0.50% · 4.625%
HK$172,308
+HK$8,627/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$327,362/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,471
−HK$11,254/mo
▼ 0.25% · 3.875%
HK$185,053
−HK$5,672/mo
Today · 4.125%
HK$190,725
baseline
▲ 0.50% · 4.625%
HK$202,330
+HK$11,605/mo
Deposit HK$4.37M · loan HK$39.35M · min. income ≈ HK$381,450/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,659
−HK$10,787/mo
▼ 0.25% · 3.875%
HK$205,014
−HK$5,432/mo
Today · 4.125%
HK$210,446
baseline
▲ 0.50% · 4.625%
HK$221,539
+HK$11,093/mo
Deposit HK$4.37M · loan HK$39.35M · min. income ≈ HK$420,892/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,346 · Scale 2, in force from 26 Feb 2026)