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$100,081
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,194
−HK$3,163/mo
Today · 4.125%
HK$106,357
baseline
▲ 0.50% · 4.625%
HK$112,828
+HK$6,471/mo
Deposit HK$21.95M · loan HK$21.95M · min. income ≈ HK$212,714/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$1,865,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,339
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,325
−HK$3,029/mo
Today · 4.125%
HK$117,354
baseline
▲ 0.50% · 4.625%
HK$123,540
+HK$6,186/mo
Deposit HK$21.95M · loan HK$21.95M · min. income ≈ HK$234,708/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$1,865,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,097
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$123,833
−HK$3,795/mo
Today · 4.125%
HK$127,628
baseline
▲ 0.50% · 4.625%
HK$135,394
+HK$7,766/mo
Deposit HK$17.56M · loan HK$26.33M · min. income ≈ HK$255,256/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,865,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,607
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$137,190
−HK$3,635/mo
Today · 4.125%
HK$140,825
baseline
▲ 0.50% · 4.625%
HK$148,248
+HK$7,423/mo
Deposit HK$17.56M · loan HK$26.33M · min. income ≈ HK$281,650/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,865,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,113
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$144,471
−HK$4,428/mo
Today · 4.125%
HK$148,899
baseline
▲ 0.50% · 4.625%
HK$157,960
+HK$9,061/mo
Deposit HK$13.17M · loan HK$30.72M · min. income ≈ HK$297,798/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,865,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,874
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$160,055
−HK$4,241/mo
Today · 4.125%
HK$164,296
baseline
▲ 0.50% · 4.625%
HK$172,956
+HK$8,660/mo
Deposit HK$13.17M · loan HK$30.72M · min. income ≈ HK$328,592/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,865,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,145
−HK$11,297/mo
▼ 0.25% · 3.875%
HK$185,749
−HK$5,693/mo
Today · 4.125%
HK$191,442
baseline
▲ 0.50% · 4.625%
HK$203,091
+HK$11,649/mo
Deposit HK$4.39M · loan HK$39.50M · min. income ≈ HK$382,884/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,865,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,410
−HK$10,827/mo
▼ 0.25% · 3.875%
HK$205,785
−HK$5,452/mo
Today · 4.125%
HK$211,237
baseline
▲ 0.50% · 4.625%
HK$222,372
+HK$11,135/mo
Deposit HK$4.39M · loan HK$39.50M · min. income ≈ HK$422,474/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,865,331 · Scale 2, in force from 26 Feb 2026)