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$100,027
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,138
−HK$3,161/mo
Today · 4.125%
HK$106,299
baseline
▲ 0.50% · 4.625%
HK$112,767
+HK$6,468/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$212,598/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,279
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,263
−HK$3,028/mo
Today · 4.125%
HK$117,291
baseline
▲ 0.50% · 4.625%
HK$123,473
+HK$6,182/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$234,582/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,032
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$123,766
−HK$3,793/mo
Today · 4.125%
HK$127,559
baseline
▲ 0.50% · 4.625%
HK$135,321
+HK$7,762/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$255,118/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,534
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,116
−HK$3,633/mo
Today · 4.125%
HK$140,749
baseline
▲ 0.50% · 4.625%
HK$148,168
+HK$7,419/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$281,498/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,037
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$144,393
−HK$4,426/mo
Today · 4.125%
HK$148,819
baseline
▲ 0.50% · 4.625%
HK$157,874
+HK$9,055/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$297,638/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,864,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,790
−HK$8,417/mo
▼ 0.25% · 3.875%
HK$159,968
−HK$4,239/mo
Today · 4.125%
HK$164,207
baseline
▲ 0.50% · 4.625%
HK$172,863
+HK$8,656/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$328,414/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,864,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,048
−HK$11,291/mo
▼ 0.25% · 3.875%
HK$185,648
−HK$5,691/mo
Today · 4.125%
HK$191,339
baseline
▲ 0.50% · 4.625%
HK$202,981
+HK$11,642/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$382,678/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,302
−HK$10,821/mo
▼ 0.25% · 3.875%
HK$205,674
−HK$5,449/mo
Today · 4.125%
HK$211,123
baseline
▲ 0.50% · 4.625%
HK$222,252
+HK$11,129/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$422,246/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,322 · Scale 2, in force from 26 Feb 2026)