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$100,222
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,340
−HK$3,167/mo
Today · 4.125%
HK$106,507
baseline
▲ 0.50% · 4.625%
HK$112,988
+HK$6,481/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$213,014/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,496
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,486
−HK$3,034/mo
Today · 4.125%
HK$117,520
baseline
▲ 0.50% · 4.625%
HK$123,715
+HK$6,195/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$235,040/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,267
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$124,008
−HK$3,800/mo
Today · 4.125%
HK$127,808
baseline
▲ 0.50% · 4.625%
HK$135,585
+HK$7,777/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$255,616/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,867,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,795
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$137,384
−HK$3,640/mo
Today · 4.125%
HK$141,024
baseline
▲ 0.50% · 4.625%
HK$148,458
+HK$7,434/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$282,048/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,867,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,311
−HK$8,799/mo
▼ 0.25% · 3.875%
HK$144,676
−HK$4,434/mo
Today · 4.125%
HK$149,110
baseline
▲ 0.50% · 4.625%
HK$158,183
+HK$9,073/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$298,220/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,095
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$160,281
−HK$4,247/mo
Today · 4.125%
HK$164,528
baseline
▲ 0.50% · 4.625%
HK$173,200
+HK$8,672/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$329,056/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,400
−HK$11,313/mo
▼ 0.25% · 3.875%
HK$186,011
−HK$5,702/mo
Today · 4.125%
HK$191,713
baseline
▲ 0.50% · 4.625%
HK$203,378
+HK$11,665/mo
Deposit HK$4.40M · loan HK$39.56M · min. income ≈ HK$383,426/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,693
−HK$10,843/mo
▼ 0.25% · 3.875%
HK$206,076
−HK$5,460/mo
Today · 4.125%
HK$211,536
baseline
▲ 0.50% · 4.625%
HK$222,686
+HK$11,150/mo
Deposit HK$4.40M · loan HK$39.56M · min. income ≈ HK$423,072/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,967 · Scale 2, in force from 26 Feb 2026)