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$99,633
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,732
−HK$3,148/mo
Today · 4.125%
HK$105,880
baseline
▲ 0.50% · 4.625%
HK$112,323
+HK$6,443/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$211,760/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$1,856,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,840
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,813
−HK$3,016/mo
Today · 4.125%
HK$116,829
baseline
▲ 0.50% · 4.625%
HK$122,987
+HK$6,158/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$233,658/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$1,856,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,559
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,278
−HK$3,779/mo
Today · 4.125%
HK$127,057
baseline
▲ 0.50% · 4.625%
HK$134,788
+HK$7,731/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$254,114/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,008
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,576
−HK$3,618/mo
Today · 4.125%
HK$140,194
baseline
▲ 0.50% · 4.625%
HK$147,584
+HK$7,390/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$280,388/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,486
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$143,824
−HK$4,409/mo
Today · 4.125%
HK$148,233
baseline
▲ 0.50% · 4.625%
HK$157,252
+HK$9,019/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$296,466/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,856,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,176
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$159,338
−HK$4,222/mo
Today · 4.125%
HK$163,560
baseline
▲ 0.50% · 4.625%
HK$172,182
+HK$8,622/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$327,120/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,856,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,339
−HK$11,246/mo
▼ 0.25% · 3.875%
HK$184,917
−HK$5,668/mo
Today · 4.125%
HK$190,585
baseline
▲ 0.50% · 4.625%
HK$202,182
+HK$11,597/mo
Deposit HK$4.37M · loan HK$39.32M · min. income ≈ HK$381,170/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,856,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,513
−HK$10,779/mo
▼ 0.25% · 3.875%
HK$204,863
−HK$5,429/mo
Today · 4.125%
HK$210,292
baseline
▲ 0.50% · 4.625%
HK$221,376
+HK$11,084/mo
Deposit HK$4.37M · loan HK$39.32M · min. income ≈ HK$420,584/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,856,979 · Scale 2, in force from 26 Feb 2026)