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$100,237
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,355
−HK$3,168/mo
Today · 4.125%
HK$106,523
baseline
▲ 0.50% · 4.625%
HK$113,005
+HK$6,482/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$213,046/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,513
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,504
−HK$3,034/mo
Today · 4.125%
HK$117,538
baseline
▲ 0.50% · 4.625%
HK$123,733
+HK$6,195/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$235,076/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,285
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,026
−HK$3,802/mo
Today · 4.125%
HK$127,828
baseline
▲ 0.50% · 4.625%
HK$135,606
+HK$7,778/mo
Deposit HK$17.58M · loan HK$26.38M · min. income ≈ HK$255,656/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,868,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,816
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$137,404
−HK$3,641/mo
Today · 4.125%
HK$141,045
baseline
▲ 0.50% · 4.625%
HK$148,480
+HK$7,435/mo
Deposit HK$17.58M · loan HK$26.38M · min. income ≈ HK$282,090/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,868,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,332
−HK$8,800/mo
▼ 0.25% · 3.875%
HK$144,697
−HK$4,435/mo
Today · 4.125%
HK$149,132
baseline
▲ 0.50% · 4.625%
HK$158,207
+HK$9,075/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$298,264/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,118
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$160,305
−HK$4,248/mo
Today · 4.125%
HK$164,553
baseline
▲ 0.50% · 4.625%
HK$173,227
+HK$8,674/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$329,106/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,427
−HK$11,314/mo
▼ 0.25% · 3.875%
HK$186,039
−HK$5,702/mo
Today · 4.125%
HK$191,741
baseline
▲ 0.50% · 4.625%
HK$203,408
+HK$11,667/mo
Deposit HK$4.40M · loan HK$39.56M · min. income ≈ HK$383,482/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,868,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,723
−HK$10,845/mo
▼ 0.25% · 3.875%
HK$206,107
−HK$5,461/mo
Today · 4.125%
HK$211,568
baseline
▲ 0.50% · 4.625%
HK$222,720
+HK$11,152/mo
Deposit HK$4.40M · loan HK$39.56M · min. income ≈ HK$423,136/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,868,248 · Scale 2, in force from 26 Feb 2026)