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$100,307
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,427
−HK$3,170/mo
Today · 4.125%
HK$106,597
baseline
▲ 0.50% · 4.625%
HK$113,084
+HK$6,487/mo
Deposit HK$21.99M · loan HK$21.99M · min. income ≈ HK$213,194/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$1,869,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,591
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$114,584
−HK$3,036/mo
Today · 4.125%
HK$117,620
baseline
▲ 0.50% · 4.625%
HK$123,820
+HK$6,200/mo
Deposit HK$21.99M · loan HK$21.99M · min. income ≈ HK$235,240/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$1,869,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,369
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,113
−HK$3,804/mo
Today · 4.125%
HK$127,917
baseline
▲ 0.50% · 4.625%
HK$135,700
+HK$7,783/mo
Deposit HK$17.60M · loan HK$26.39M · min. income ≈ HK$255,834/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,869,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,909
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,500
−HK$3,644/mo
Today · 4.125%
HK$141,144
baseline
▲ 0.50% · 4.625%
HK$148,583
+HK$7,439/mo
Deposit HK$17.60M · loan HK$26.39M · min. income ≈ HK$282,288/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,869,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,430
−HK$8,806/mo
▼ 0.25% · 3.875%
HK$144,798
−HK$4,438/mo
Today · 4.125%
HK$149,236
baseline
▲ 0.50% · 4.625%
HK$158,317
+HK$9,081/mo
Deposit HK$13.20M · loan HK$30.79M · min. income ≈ HK$298,472/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,869,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,227
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$160,417
−HK$4,251/mo
Today · 4.125%
HK$164,668
baseline
▲ 0.50% · 4.625%
HK$173,347
+HK$8,679/mo
Deposit HK$13.20M · loan HK$30.79M · min. income ≈ HK$329,336/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,869,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,553
−HK$11,322/mo
▼ 0.25% · 3.875%
HK$186,169
−HK$5,706/mo
Today · 4.125%
HK$191,875
baseline
▲ 0.50% · 4.625%
HK$203,550
+HK$11,675/mo
Deposit HK$4.40M · loan HK$39.59M · min. income ≈ HK$383,750/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,863
−HK$10,852/mo
▼ 0.25% · 3.875%
HK$206,250
−HK$5,465/mo
Today · 4.125%
HK$211,715
baseline
▲ 0.50% · 4.625%
HK$222,875
+HK$11,160/mo
Deposit HK$4.40M · loan HK$39.59M · min. income ≈ HK$423,430/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,551 · Scale 2, in force from 26 Feb 2026)