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$100,094
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,207
−HK$3,164/mo
Today · 4.125%
HK$106,371
baseline
▲ 0.50% · 4.625%
HK$112,843
+HK$6,472/mo
Deposit HK$21.95M · loan HK$21.95M · min. income ≈ HK$212,742/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$1,865,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,353
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,340
−HK$3,030/mo
Today · 4.125%
HK$117,370
baseline
▲ 0.50% · 4.625%
HK$123,556
+HK$6,186/mo
Deposit HK$21.95M · loan HK$21.95M · min. income ≈ HK$234,740/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$1,865,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,113
−HK$7,532/mo
▼ 0.25% · 3.875%
HK$123,849
−HK$3,796/mo
Today · 4.125%
HK$127,645
baseline
▲ 0.50% · 4.625%
HK$135,412
+HK$7,767/mo
Deposit HK$17.56M · loan HK$26.34M · min. income ≈ HK$255,290/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,865,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,624
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$137,208
−HK$3,635/mo
Today · 4.125%
HK$140,843
baseline
▲ 0.50% · 4.625%
HK$148,268
+HK$7,425/mo
Deposit HK$17.56M · loan HK$26.34M · min. income ≈ HK$281,686/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,865,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,131
−HK$8,788/mo
▼ 0.25% · 3.875%
HK$144,490
−HK$4,429/mo
Today · 4.125%
HK$148,919
baseline
▲ 0.50% · 4.625%
HK$157,980
+HK$9,061/mo
Deposit HK$13.17M · loan HK$30.73M · min. income ≈ HK$297,838/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,865,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,895
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$160,076
−HK$4,241/mo
Today · 4.125%
HK$164,317
baseline
▲ 0.50% · 4.625%
HK$172,979
+HK$8,662/mo
Deposit HK$13.17M · loan HK$30.73M · min. income ≈ HK$328,634/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,865,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,169
−HK$11,298/mo
▼ 0.25% · 3.875%
HK$185,773
−HK$5,694/mo
Today · 4.125%
HK$191,467
baseline
▲ 0.50% · 4.625%
HK$203,118
+HK$11,651/mo
Deposit HK$4.39M · loan HK$39.51M · min. income ≈ HK$382,934/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,865,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,436
−HK$10,829/mo
▼ 0.25% · 3.875%
HK$205,812
−HK$5,453/mo
Today · 4.125%
HK$211,265
baseline
▲ 0.50% · 4.625%
HK$222,401
+HK$11,136/mo
Deposit HK$4.39M · loan HK$39.51M · min. income ≈ HK$422,530/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,865,576 · Scale 2, in force from 26 Feb 2026)