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$99,882
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,989
−HK$3,157/mo
Today · 4.125%
HK$106,146
baseline
▲ 0.50% · 4.625%
HK$112,604
+HK$6,458/mo
Deposit HK$21.90M · loan HK$21.90M · min. income ≈ HK$212,292/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$1,861,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,118
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,098
−HK$3,023/mo
Today · 4.125%
HK$117,121
baseline
▲ 0.50% · 4.625%
HK$123,295
+HK$6,174/mo
Deposit HK$21.90M · loan HK$21.90M · min. income ≈ HK$234,242/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$1,861,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,859
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$123,587
−HK$3,788/mo
Today · 4.125%
HK$127,375
baseline
▲ 0.50% · 4.625%
HK$135,125
+HK$7,750/mo
Deposit HK$17.52M · loan HK$26.28M · min. income ≈ HK$254,750/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,341
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$136,918
−HK$3,627/mo
Today · 4.125%
HK$140,545
baseline
▲ 0.50% · 4.625%
HK$147,954
+HK$7,409/mo
Deposit HK$17.52M · loan HK$26.28M · min. income ≈ HK$281,090/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,835
−HK$8,769/mo
▼ 0.25% · 3.875%
HK$144,185
−HK$4,419/mo
Today · 4.125%
HK$148,604
baseline
▲ 0.50% · 4.625%
HK$157,646
+HK$9,042/mo
Deposit HK$13.14M · loan HK$30.66M · min. income ≈ HK$297,208/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,565
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$159,737
−HK$4,233/mo
Today · 4.125%
HK$163,970
baseline
▲ 0.50% · 4.625%
HK$172,613
+HK$8,643/mo
Deposit HK$13.14M · loan HK$30.66M · min. income ≈ HK$327,940/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,788
−HK$11,274/mo
▼ 0.25% · 3.875%
HK$185,380
−HK$5,682/mo
Today · 4.125%
HK$191,062
baseline
▲ 0.50% · 4.625%
HK$202,688
+HK$11,626/mo
Deposit HK$4.38M · loan HK$39.42M · min. income ≈ HK$382,124/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,012
−HK$10,806/mo
▼ 0.25% · 3.875%
HK$205,376
−HK$5,442/mo
Today · 4.125%
HK$210,818
baseline
▲ 0.50% · 4.625%
HK$221,931
+HK$11,113/mo
Deposit HK$4.38M · loan HK$39.42M · min. income ≈ HK$421,636/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,629 · Scale 2, in force from 26 Feb 2026)