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$99,862
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,969
−HK$3,155/mo
Today · 4.125%
HK$106,124
baseline
▲ 0.50% · 4.625%
HK$112,582
+HK$6,458/mo
Deposit HK$21.90M · loan HK$21.90M · min. income ≈ HK$212,248/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$1,861,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,096
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,075
−HK$3,023/mo
Today · 4.125%
HK$117,098
baseline
▲ 0.50% · 4.625%
HK$123,270
+HK$6,172/mo
Deposit HK$21.90M · loan HK$21.90M · min. income ≈ HK$234,196/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$1,861,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,835
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$123,562
−HK$3,787/mo
Today · 4.125%
HK$127,349
baseline
▲ 0.50% · 4.625%
HK$135,098
+HK$7,749/mo
Deposit HK$17.52M · loan HK$26.28M · min. income ≈ HK$254,698/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,315
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$136,890
−HK$3,627/mo
Today · 4.125%
HK$140,517
baseline
▲ 0.50% · 4.625%
HK$147,924
+HK$7,407/mo
Deposit HK$17.52M · loan HK$26.28M · min. income ≈ HK$281,034/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,807
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$144,156
−HK$4,418/mo
Today · 4.125%
HK$148,574
baseline
▲ 0.50% · 4.625%
HK$157,615
+HK$9,041/mo
Deposit HK$13.14M · loan HK$30.66M · min. income ≈ HK$297,148/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,534
−HK$8,403/mo
▼ 0.25% · 3.875%
HK$159,705
−HK$4,232/mo
Today · 4.125%
HK$163,937
baseline
▲ 0.50% · 4.625%
HK$172,578
+HK$8,641/mo
Deposit HK$13.14M · loan HK$30.66M · min. income ≈ HK$327,874/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,752
−HK$11,272/mo
▼ 0.25% · 3.875%
HK$185,343
−HK$5,681/mo
Today · 4.125%
HK$191,024
baseline
▲ 0.50% · 4.625%
HK$202,647
+HK$11,623/mo
Deposit HK$4.38M · loan HK$39.41M · min. income ≈ HK$382,048/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,972
−HK$10,804/mo
▼ 0.25% · 3.875%
HK$205,335
−HK$5,441/mo
Today · 4.125%
HK$210,776
baseline
▲ 0.50% · 4.625%
HK$221,887
+HK$11,111/mo
Deposit HK$4.38M · loan HK$39.41M · min. income ≈ HK$421,552/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,258 · Scale 2, in force from 26 Feb 2026)