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$100,038
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,150
−HK$3,162/mo
Today · 4.125%
HK$106,312
baseline
▲ 0.50% · 4.625%
HK$112,781
+HK$6,469/mo
Deposit HK$21.94M · loan HK$21.94M · min. income ≈ HK$212,624/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,292
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,277
−HK$3,027/mo
Today · 4.125%
HK$117,304
baseline
▲ 0.50% · 4.625%
HK$123,488
+HK$6,184/mo
Deposit HK$21.94M · loan HK$21.94M · min. income ≈ HK$234,608/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,046
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,780
−HK$3,794/mo
Today · 4.125%
HK$127,574
baseline
▲ 0.50% · 4.625%
HK$135,337
+HK$7,763/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$255,148/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,550
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,132
−HK$3,633/mo
Today · 4.125%
HK$140,765
baseline
▲ 0.50% · 4.625%
HK$148,185
+HK$7,420/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$281,530/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,054
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$144,410
−HK$4,426/mo
Today · 4.125%
HK$148,836
baseline
▲ 0.50% · 4.625%
HK$157,893
+HK$9,057/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$297,672/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,808
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$159,987
−HK$4,239/mo
Today · 4.125%
HK$164,226
baseline
▲ 0.50% · 4.625%
HK$172,883
+HK$8,657/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$328,452/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,069
−HK$11,292/mo
▼ 0.25% · 3.875%
HK$185,670
−HK$5,691/mo
Today · 4.125%
HK$191,361
baseline
▲ 0.50% · 4.625%
HK$203,005
+HK$11,644/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$382,722/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,325
−HK$10,823/mo
▼ 0.25% · 3.875%
HK$205,698
−HK$5,450/mo
Today · 4.125%
HK$211,148
baseline
▲ 0.50% · 4.625%
HK$222,278
+HK$11,130/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$422,296/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,542 · Scale 2, in force from 26 Feb 2026)