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$99,713
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,814
−HK$3,152/mo
Today · 4.125%
HK$105,966
baseline
▲ 0.50% · 4.625%
HK$112,413
+HK$6,447/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$211,932/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,929
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,905
−HK$3,018/mo
Today · 4.125%
HK$116,923
baseline
▲ 0.50% · 4.625%
HK$123,086
+HK$6,163/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$233,846/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,655
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$123,377
−HK$3,782/mo
Today · 4.125%
HK$127,159
baseline
▲ 0.50% · 4.625%
HK$134,896
+HK$7,737/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$254,318/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,115
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,685
−HK$3,622/mo
Today · 4.125%
HK$140,307
baseline
▲ 0.50% · 4.625%
HK$147,703
+HK$7,396/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$280,614/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,598
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,940
−HK$4,412/mo
Today · 4.125%
HK$148,352
baseline
▲ 0.50% · 4.625%
HK$157,379
+HK$9,027/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$296,704/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,301
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$159,466
−HK$4,226/mo
Today · 4.125%
HK$163,692
baseline
▲ 0.50% · 4.625%
HK$172,320
+HK$8,628/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$327,384/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,483
−HK$11,255/mo
▼ 0.25% · 3.875%
HK$185,066
−HK$5,672/mo
Today · 4.125%
HK$190,738
baseline
▲ 0.50% · 4.625%
HK$202,344
+HK$11,606/mo
Deposit HK$4.37M · loan HK$39.36M · min. income ≈ HK$381,476/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,673
−HK$10,788/mo
▼ 0.25% · 3.875%
HK$205,028
−HK$5,433/mo
Today · 4.125%
HK$210,461
baseline
▲ 0.50% · 4.625%
HK$221,554
+HK$11,093/mo
Deposit HK$4.37M · loan HK$39.36M · min. income ≈ HK$420,922/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,473 · Scale 2, in force from 26 Feb 2026)