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$99,756
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,858
−HK$3,153/mo
Today · 4.125%
HK$106,011
baseline
▲ 0.50% · 4.625%
HK$112,462
+HK$6,451/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$212,022/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,977
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,953
−HK$3,020/mo
Today · 4.125%
HK$116,973
baseline
▲ 0.50% · 4.625%
HK$123,139
+HK$6,166/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$233,946/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,707
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$123,430
−HK$3,783/mo
Today · 4.125%
HK$127,213
baseline
▲ 0.50% · 4.625%
HK$134,954
+HK$7,741/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$254,426/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,172
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$136,744
−HK$3,623/mo
Today · 4.125%
HK$140,367
baseline
▲ 0.50% · 4.625%
HK$147,766
+HK$7,399/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$280,734/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,658
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$144,002
−HK$4,413/mo
Today · 4.125%
HK$148,415
baseline
▲ 0.50% · 4.625%
HK$157,446
+HK$9,031/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$296,830/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,368
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$159,535
−HK$4,227/mo
Today · 4.125%
HK$163,762
baseline
▲ 0.50% · 4.625%
HK$172,394
+HK$8,632/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$327,524/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,560
−HK$11,260/mo
▼ 0.25% · 3.875%
HK$185,145
−HK$5,675/mo
Today · 4.125%
HK$190,820
baseline
▲ 0.50% · 4.625%
HK$202,431
+HK$11,611/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$381,640/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,759
−HK$10,792/mo
▼ 0.25% · 3.875%
HK$205,116
−HK$5,435/mo
Today · 4.125%
HK$210,551
baseline
▲ 0.50% · 4.625%
HK$221,649
+HK$11,098/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$421,102/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,269 · Scale 2, in force from 26 Feb 2026)