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$99,716
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,818
−HK$3,152/mo
Today · 4.125%
HK$105,970
baseline
▲ 0.50% · 4.625%
HK$112,418
+HK$6,448/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$211,940/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,934
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,909
−HK$3,018/mo
Today · 4.125%
HK$116,927
baseline
▲ 0.50% · 4.625%
HK$123,090
+HK$6,163/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$233,854/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,660
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,382
−HK$3,781/mo
Today · 4.125%
HK$127,163
baseline
▲ 0.50% · 4.625%
HK$134,901
+HK$7,738/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$254,326/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,120
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,690
−HK$3,622/mo
Today · 4.125%
HK$140,312
baseline
▲ 0.50% · 4.625%
HK$147,708
+HK$7,396/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$280,624/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,603
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$143,945
−HK$4,412/mo
Today · 4.125%
HK$148,357
baseline
▲ 0.50% · 4.625%
HK$157,385
+HK$9,028/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$296,714/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,307
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$159,472
−HK$4,226/mo
Today · 4.125%
HK$163,698
baseline
▲ 0.50% · 4.625%
HK$172,326
+HK$8,628/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$327,396/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,490
−HK$11,255/mo
▼ 0.25% · 3.875%
HK$185,073
−HK$5,672/mo
Today · 4.125%
HK$190,745
baseline
▲ 0.50% · 4.625%
HK$202,352
+HK$11,607/mo
Deposit HK$4.37M · loan HK$39.36M · min. income ≈ HK$381,490/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,680
−HK$10,789/mo
▼ 0.25% · 3.875%
HK$205,036
−HK$5,433/mo
Today · 4.125%
HK$210,469
baseline
▲ 0.50% · 4.625%
HK$221,563
+HK$11,094/mo
Deposit HK$4.37M · loan HK$39.36M · min. income ≈ HK$420,938/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,541 · Scale 2, in force from 26 Feb 2026)