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$99,427
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,520
−HK$3,142/mo
Today · 4.125%
HK$105,662
baseline
▲ 0.50% · 4.625%
HK$112,091
+HK$6,429/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,324/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,853,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,611
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,578
−HK$3,009/mo
Today · 4.125%
HK$116,587
baseline
▲ 0.50% · 4.625%
HK$122,733
+HK$6,146/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,174/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,853,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,312
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,023
−HK$3,771/mo
Today · 4.125%
HK$126,794
baseline
▲ 0.50% · 4.625%
HK$134,509
+HK$7,715/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$253,588/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,853,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,734
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,293
−HK$3,612/mo
Today · 4.125%
HK$139,905
baseline
▲ 0.50% · 4.625%
HK$147,279
+HK$7,374/mo
Deposit HK$17.44M · loan HK$26.16M · min. income ≈ HK$279,810/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,853,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,198
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$143,527
−HK$4,399/mo
Today · 4.125%
HK$147,926
baseline
▲ 0.50% · 4.625%
HK$156,927
+HK$9,001/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$295,852/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,853,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,856
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$159,009
−HK$4,213/mo
Today · 4.125%
HK$163,222
baseline
▲ 0.50% · 4.625%
HK$171,826
+HK$8,604/mo
Deposit HK$13.08M · loan HK$30.52M · min. income ≈ HK$326,444/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,853,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,968
−HK$11,223/mo
▼ 0.25% · 3.875%
HK$184,535
−HK$5,656/mo
Today · 4.125%
HK$190,191
baseline
▲ 0.50% · 4.625%
HK$201,764
+HK$11,573/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$380,382/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,100
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$204,440
−HK$5,417/mo
Today · 4.125%
HK$209,857
baseline
▲ 0.50% · 4.625%
HK$220,919
+HK$11,062/mo
Deposit HK$4.36M · loan HK$39.24M · min. income ≈ HK$419,714/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,853,143 · Scale 2, in force from 26 Feb 2026)