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$99,595
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,693
−HK$3,148/mo
Today · 4.125%
HK$105,841
baseline
▲ 0.50% · 4.625%
HK$112,281
+HK$6,440/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$211,682/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,856,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,799
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,770
−HK$3,015/mo
Today · 4.125%
HK$116,785
baseline
▲ 0.50% · 4.625%
HK$122,941
+HK$6,156/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$233,570/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,856,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,514
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$123,232
−HK$3,777/mo
Today · 4.125%
HK$127,009
baseline
▲ 0.50% · 4.625%
HK$134,737
+HK$7,728/mo
Deposit HK$17.47M · loan HK$26.21M · min. income ≈ HK$254,018/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,958
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$136,524
−HK$3,618/mo
Today · 4.125%
HK$140,142
baseline
▲ 0.50% · 4.625%
HK$147,529
+HK$7,387/mo
Deposit HK$17.47M · loan HK$26.21M · min. income ≈ HK$280,284/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,433
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$143,771
−HK$4,406/mo
Today · 4.125%
HK$148,177
baseline
▲ 0.50% · 4.625%
HK$157,193
+HK$9,016/mo
Deposit HK$13.10M · loan HK$30.57M · min. income ≈ HK$296,354/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,118
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$159,278
−HK$4,221/mo
Today · 4.125%
HK$163,499
baseline
▲ 0.50% · 4.625%
HK$172,117
+HK$8,618/mo
Deposit HK$13.10M · loan HK$30.57M · min. income ≈ HK$326,998/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,271
−HK$11,242/mo
▼ 0.25% · 3.875%
HK$184,848
−HK$5,665/mo
Today · 4.125%
HK$190,513
baseline
▲ 0.50% · 4.625%
HK$202,106
+HK$11,593/mo
Deposit HK$4.37M · loan HK$39.31M · min. income ≈ HK$381,026/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,856,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,438
−HK$10,775/mo
▼ 0.25% · 3.875%
HK$204,786
−HK$5,427/mo
Today · 4.125%
HK$210,213
baseline
▲ 0.50% · 4.625%
HK$221,293
+HK$11,080/mo
Deposit HK$4.37M · loan HK$39.31M · min. income ≈ HK$420,426/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,856,282 · Scale 2, in force from 26 Feb 2026)