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$100,269
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,388
−HK$3,169/mo
Today · 4.125%
HK$106,557
baseline
▲ 0.50% · 4.625%
HK$113,041
+HK$6,484/mo
Deposit HK$21.99M · loan HK$21.99M · min. income ≈ HK$213,114/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$1,868,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,548
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,540
−HK$3,035/mo
Today · 4.125%
HK$117,575
baseline
▲ 0.50% · 4.625%
HK$123,772
+HK$6,197/mo
Deposit HK$21.99M · loan HK$21.99M · min. income ≈ HK$235,150/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$1,868,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,323
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,066
−HK$3,802/mo
Today · 4.125%
HK$127,868
baseline
▲ 0.50% · 4.625%
HK$135,649
+HK$7,781/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$255,736/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,868,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,858
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,448
−HK$3,642/mo
Today · 4.125%
HK$141,090
baseline
▲ 0.50% · 4.625%
HK$148,527
+HK$7,437/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$282,180/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,868,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,377
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,743
−HK$4,436/mo
Today · 4.125%
HK$149,179
baseline
▲ 0.50% · 4.625%
HK$158,257
+HK$9,078/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$298,358/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,168
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$160,356
−HK$4,249/mo
Today · 4.125%
HK$164,605
baseline
▲ 0.50% · 4.625%
HK$173,281
+HK$8,676/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$329,210/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,484
−HK$11,318/mo
▼ 0.25% · 3.875%
HK$186,098
−HK$5,704/mo
Today · 4.125%
HK$191,802
baseline
▲ 0.50% · 4.625%
HK$203,473
+HK$11,671/mo
Deposit HK$4.40M · loan HK$39.58M · min. income ≈ HK$383,604/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,868,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,787
−HK$10,848/mo
▼ 0.25% · 3.875%
HK$206,172
−HK$5,463/mo
Today · 4.125%
HK$211,635
baseline
▲ 0.50% · 4.625%
HK$222,790
+HK$11,155/mo
Deposit HK$4.40M · loan HK$39.58M · min. income ≈ HK$423,270/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,868,840 · Scale 2, in force from 26 Feb 2026)