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$100,291
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,410
−HK$3,170/mo
Today · 4.125%
HK$106,580
baseline
▲ 0.50% · 4.625%
HK$113,065
+HK$6,485/mo
Deposit HK$21.99M · loan HK$21.99M · min. income ≈ HK$213,160/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$1,869,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,572
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,565
−HK$3,035/mo
Today · 4.125%
HK$117,600
baseline
▲ 0.50% · 4.625%
HK$123,799
+HK$6,199/mo
Deposit HK$21.99M · loan HK$21.99M · min. income ≈ HK$235,200/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$1,869,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,349
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$124,092
−HK$3,804/mo
Today · 4.125%
HK$127,896
baseline
▲ 0.50% · 4.625%
HK$135,678
+HK$7,782/mo
Deposit HK$17.59M · loan HK$26.39M · min. income ≈ HK$255,792/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,869,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,887
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,478
−HK$3,642/mo
Today · 4.125%
HK$141,120
baseline
▲ 0.50% · 4.625%
HK$148,559
+HK$7,439/mo
Deposit HK$17.59M · loan HK$26.39M · min. income ≈ HK$282,240/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,869,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,407
−HK$8,805/mo
▼ 0.25% · 3.875%
HK$144,774
−HK$4,438/mo
Today · 4.125%
HK$149,212
baseline
▲ 0.50% · 4.625%
HK$158,291
+HK$9,079/mo
Deposit HK$13.19M · loan HK$30.79M · min. income ≈ HK$298,424/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,869,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,201
−HK$8,439/mo
▼ 0.25% · 3.875%
HK$160,391
−HK$4,249/mo
Today · 4.125%
HK$164,640
baseline
▲ 0.50% · 4.625%
HK$173,319
+HK$8,679/mo
Deposit HK$13.19M · loan HK$30.79M · min. income ≈ HK$329,280/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,869,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,523
−HK$11,321/mo
▼ 0.25% · 3.875%
HK$186,138
−HK$5,706/mo
Today · 4.125%
HK$191,844
baseline
▲ 0.50% · 4.625%
HK$203,517
+HK$11,673/mo
Deposit HK$4.40M · loan HK$39.58M · min. income ≈ HK$383,688/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,830
−HK$10,850/mo
▼ 0.25% · 3.875%
HK$206,216
−HK$5,464/mo
Today · 4.125%
HK$211,680
baseline
▲ 0.50% · 4.625%
HK$222,838
+HK$11,158/mo
Deposit HK$4.40M · loan HK$39.58M · min. income ≈ HK$423,360/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,243 · Scale 2, in force from 26 Feb 2026)