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$100,032
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,144
−HK$3,161/mo
Today · 4.125%
HK$106,305
baseline
▲ 0.50% · 4.625%
HK$112,773
+HK$6,468/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$212,610/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,285
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,269
−HK$3,028/mo
Today · 4.125%
HK$117,297
baseline
▲ 0.50% · 4.625%
HK$123,480
+HK$6,183/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$234,594/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,038
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,772
−HK$3,794/mo
Today · 4.125%
HK$127,566
baseline
▲ 0.50% · 4.625%
HK$135,328
+HK$7,762/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$255,132/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,541
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,123
−HK$3,633/mo
Today · 4.125%
HK$140,756
baseline
▲ 0.50% · 4.625%
HK$148,176
+HK$7,420/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$281,512/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,045
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$144,401
−HK$4,426/mo
Today · 4.125%
HK$148,827
baseline
▲ 0.50% · 4.625%
HK$157,883
+HK$9,056/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$297,654/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,798
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$159,977
−HK$4,239/mo
Today · 4.125%
HK$164,216
baseline
▲ 0.50% · 4.625%
HK$172,872
+HK$8,656/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$328,432/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,058
−HK$11,291/mo
▼ 0.25% · 3.875%
HK$185,658
−HK$5,691/mo
Today · 4.125%
HK$191,349
baseline
▲ 0.50% · 4.625%
HK$202,992
+HK$11,643/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$382,698/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,312
−HK$10,822/mo
▼ 0.25% · 3.875%
HK$205,684
−HK$5,450/mo
Today · 4.125%
HK$211,134
baseline
▲ 0.50% · 4.625%
HK$222,264
+HK$11,130/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$422,268/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,422 · Scale 2, in force from 26 Feb 2026)