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$99,022
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,103
−HK$3,129/mo
Today · 4.125%
HK$105,232
baseline
▲ 0.50% · 4.625%
HK$111,635
+HK$6,403/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$210,464/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,162
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,116
−HK$2,997/mo
Today · 4.125%
HK$116,113
baseline
▲ 0.50% · 4.625%
HK$122,234
+HK$6,121/mo
Deposit HK$21.71M · loan HK$21.71M · min. income ≈ HK$232,226/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$1,845,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,827
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$122,523
−HK$3,755/mo
Today · 4.125%
HK$126,278
baseline
▲ 0.50% · 4.625%
HK$133,962
+HK$7,684/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$252,556/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,194
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$135,739
−HK$3,597/mo
Today · 4.125%
HK$139,336
baseline
▲ 0.50% · 4.625%
HK$146,680
+HK$7,344/mo
Deposit HK$17.37M · loan HK$26.06M · min. income ≈ HK$278,672/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,845,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,631
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,944
−HK$4,381/mo
Today · 4.125%
HK$147,325
baseline
▲ 0.50% · 4.625%
HK$156,289
+HK$8,964/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$294,650/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,226
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$158,362
−HK$4,197/mo
Today · 4.125%
HK$162,559
baseline
▲ 0.50% · 4.625%
HK$171,127
+HK$8,568/mo
Deposit HK$13.03M · loan HK$30.40M · min. income ≈ HK$325,118/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,845,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,240
−HK$11,178/mo
▼ 0.25% · 3.875%
HK$183,785
−HK$5,633/mo
Today · 4.125%
HK$189,418
baseline
▲ 0.50% · 4.625%
HK$200,943
+HK$11,525/mo
Deposit HK$4.34M · loan HK$39.08M · min. income ≈ HK$378,836/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,291
−HK$10,713/mo
▼ 0.25% · 3.875%
HK$203,609
−HK$5,395/mo
Today · 4.125%
HK$209,004
baseline
▲ 0.50% · 4.625%
HK$220,021
+HK$11,017/mo
Deposit HK$4.34M · loan HK$39.08M · min. income ≈ HK$418,008/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$1,845,607 · Scale 2, in force from 26 Feb 2026)