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$99,782
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,886
−HK$3,153/mo
Today · 4.125%
HK$106,039
baseline
▲ 0.50% · 4.625%
HK$112,491
+HK$6,452/mo
Deposit HK$21.88M · loan HK$21.88M · min. income ≈ HK$212,078/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$1,859,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,006
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,983
−HK$3,021/mo
Today · 4.125%
HK$117,004
baseline
▲ 0.50% · 4.625%
HK$123,171
+HK$6,167/mo
Deposit HK$21.88M · loan HK$21.88M · min. income ≈ HK$234,008/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$1,859,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,738
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,463
−HK$3,784/mo
Today · 4.125%
HK$127,247
baseline
▲ 0.50% · 4.625%
HK$134,989
+HK$7,742/mo
Deposit HK$17.50M · loan HK$26.26M · min. income ≈ HK$254,494/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,207
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,780
−HK$3,624/mo
Today · 4.125%
HK$140,404
baseline
▲ 0.50% · 4.625%
HK$147,805
+HK$7,401/mo
Deposit HK$17.50M · loan HK$26.26M · min. income ≈ HK$280,808/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,694
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$144,040
−HK$4,415/mo
Today · 4.125%
HK$148,455
baseline
▲ 0.50% · 4.625%
HK$157,488
+HK$9,033/mo
Deposit HK$13.13M · loan HK$30.63M · min. income ≈ HK$296,910/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,859,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,409
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$159,577
−HK$4,228/mo
Today · 4.125%
HK$163,805
baseline
▲ 0.50% · 4.625%
HK$172,439
+HK$8,634/mo
Deposit HK$13.13M · loan HK$30.63M · min. income ≈ HK$327,610/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,859,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,607
−HK$11,263/mo
▼ 0.25% · 3.875%
HK$185,194
−HK$5,676/mo
Today · 4.125%
HK$190,870
baseline
▲ 0.50% · 4.625%
HK$202,484
+HK$11,614/mo
Deposit HK$4.38M · loan HK$39.38M · min. income ≈ HK$381,740/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,859,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,811
−HK$10,795/mo
▼ 0.25% · 3.875%
HK$205,170
−HK$5,436/mo
Today · 4.125%
HK$210,606
baseline
▲ 0.50% · 4.625%
HK$221,708
+HK$11,102/mo
Deposit HK$4.38M · loan HK$39.38M · min. income ≈ HK$421,212/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,859,758 · Scale 2, in force from 26 Feb 2026)