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$100,040
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,152
−HK$3,161/mo
Today · 4.125%
HK$106,313
baseline
▲ 0.50% · 4.625%
HK$112,782
+HK$6,469/mo
Deposit HK$21.94M · loan HK$21.94M · min. income ≈ HK$212,626/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,293
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,278
−HK$3,028/mo
Today · 4.125%
HK$117,306
baseline
▲ 0.50% · 4.625%
HK$123,490
+HK$6,184/mo
Deposit HK$21.94M · loan HK$21.94M · min. income ≈ HK$234,612/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,048
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,782
−HK$3,794/mo
Today · 4.125%
HK$127,576
baseline
▲ 0.50% · 4.625%
HK$135,339
+HK$7,763/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$255,152/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,552
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,134
−HK$3,633/mo
Today · 4.125%
HK$140,767
baseline
▲ 0.50% · 4.625%
HK$148,187
+HK$7,420/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$281,534/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,056
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$144,412
−HK$4,426/mo
Today · 4.125%
HK$148,838
baseline
▲ 0.50% · 4.625%
HK$157,895
+HK$9,057/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$297,676/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,811
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$159,989
−HK$4,240/mo
Today · 4.125%
HK$164,229
baseline
▲ 0.50% · 4.625%
HK$172,885
+HK$8,656/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$328,458/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,072
−HK$11,292/mo
▼ 0.25% · 3.875%
HK$185,673
−HK$5,691/mo
Today · 4.125%
HK$191,364
baseline
▲ 0.50% · 4.625%
HK$203,008
+HK$11,644/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$382,728/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,328
−HK$10,823/mo
▼ 0.25% · 3.875%
HK$205,701
−HK$5,450/mo
Today · 4.125%
HK$211,151
baseline
▲ 0.50% · 4.625%
HK$222,281
+HK$11,130/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$422,302/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,568 · Scale 2, in force from 26 Feb 2026)