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$99,398
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,490
−HK$3,141/mo
Today · 4.125%
HK$105,631
baseline
▲ 0.50% · 4.625%
HK$112,059
+HK$6,428/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$211,262/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,579
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,545
−HK$3,009/mo
Today · 4.125%
HK$116,554
baseline
▲ 0.50% · 4.625%
HK$122,697
+HK$6,143/mo
Deposit HK$21.80M · loan HK$21.80M · min. income ≈ HK$233,108/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$1,852,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,278
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,988
−HK$3,769/mo
Today · 4.125%
HK$126,757
baseline
▲ 0.50% · 4.625%
HK$134,470
+HK$7,713/mo
Deposit HK$17.44M · loan HK$26.15M · min. income ≈ HK$253,514/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,695
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,254
−HK$3,610/mo
Today · 4.125%
HK$139,864
baseline
▲ 0.50% · 4.625%
HK$147,237
+HK$7,373/mo
Deposit HK$17.44M · loan HK$26.15M · min. income ≈ HK$279,728/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,852,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,157
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$143,486
−HK$4,398/mo
Today · 4.125%
HK$147,884
baseline
▲ 0.50% · 4.625%
HK$156,882
+HK$8,998/mo
Deposit HK$13.08M · loan HK$30.51M · min. income ≈ HK$295,768/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,811
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$158,963
−HK$4,212/mo
Today · 4.125%
HK$163,175
baseline
▲ 0.50% · 4.625%
HK$171,776
+HK$8,601/mo
Deposit HK$13.08M · loan HK$30.51M · min. income ≈ HK$326,350/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,852,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,917
−HK$11,219/mo
▼ 0.25% · 3.875%
HK$184,482
−HK$5,654/mo
Today · 4.125%
HK$190,136
baseline
▲ 0.50% · 4.625%
HK$201,705
+HK$11,569/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$380,272/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,043
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$204,381
−HK$5,415/mo
Today · 4.125%
HK$209,796
baseline
▲ 0.50% · 4.625%
HK$220,855
+HK$11,059/mo
Deposit HK$4.36M · loan HK$39.23M · min. income ≈ HK$419,592/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,852,607 · Scale 2, in force from 26 Feb 2026)