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$99,809
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,914
−HK$3,154/mo
Today · 4.125%
HK$106,068
baseline
▲ 0.50% · 4.625%
HK$112,522
+HK$6,454/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$212,136/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$1,860,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,037
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,015
−HK$3,021/mo
Today · 4.125%
HK$117,036
baseline
▲ 0.50% · 4.625%
HK$123,205
+HK$6,169/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$234,072/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$1,860,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,771
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$123,497
−HK$3,785/mo
Today · 4.125%
HK$127,282
baseline
▲ 0.50% · 4.625%
HK$135,027
+HK$7,745/mo
Deposit HK$17.51M · loan HK$26.26M · min. income ≈ HK$254,564/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,860,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,244
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$136,818
−HK$3,625/mo
Today · 4.125%
HK$140,443
baseline
▲ 0.50% · 4.625%
HK$147,846
+HK$7,403/mo
Deposit HK$17.51M · loan HK$26.26M · min. income ≈ HK$280,886/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,860,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,733
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$144,079
−HK$4,416/mo
Today · 4.125%
HK$148,495
baseline
▲ 0.50% · 4.625%
HK$157,531
+HK$9,036/mo
Deposit HK$13.13M · loan HK$30.64M · min. income ≈ HK$296,990/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,860,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,451
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$159,621
−HK$4,229/mo
Today · 4.125%
HK$163,850
baseline
▲ 0.50% · 4.625%
HK$172,487
+HK$8,637/mo
Deposit HK$13.13M · loan HK$30.64M · min. income ≈ HK$327,700/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,860,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,657
−HK$11,266/mo
▼ 0.25% · 3.875%
HK$185,245
−HK$5,678/mo
Today · 4.125%
HK$190,923
baseline
▲ 0.50% · 4.625%
HK$202,540
+HK$11,617/mo
Deposit HK$4.38M · loan HK$39.39M · min. income ≈ HK$381,846/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,866
−HK$10,798/mo
▼ 0.25% · 3.875%
HK$205,226
−HK$5,438/mo
Today · 4.125%
HK$210,664
baseline
▲ 0.50% · 4.625%
HK$221,769
+HK$11,105/mo
Deposit HK$4.38M · loan HK$39.39M · min. income ≈ HK$421,328/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,270 · Scale 2, in force from 26 Feb 2026)