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$99,706
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,807
−HK$3,151/mo
Today · 4.125%
HK$105,958
baseline
▲ 0.50% · 4.625%
HK$112,405
+HK$6,447/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$211,916/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,921
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,896
−HK$3,018/mo
Today · 4.125%
HK$116,914
baseline
▲ 0.50% · 4.625%
HK$123,077
+HK$6,163/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$233,828/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$1,858,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,647
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,368
−HK$3,782/mo
Today · 4.125%
HK$127,150
baseline
▲ 0.50% · 4.625%
HK$134,886
+HK$7,736/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$254,300/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,106
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$136,676
−HK$3,621/mo
Today · 4.125%
HK$140,297
baseline
▲ 0.50% · 4.625%
HK$147,692
+HK$7,395/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$280,594/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,588
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$143,930
−HK$4,411/mo
Today · 4.125%
HK$148,341
baseline
▲ 0.50% · 4.625%
HK$157,367
+HK$9,026/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$296,682/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,290
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$159,455
−HK$4,225/mo
Today · 4.125%
HK$163,680
baseline
▲ 0.50% · 4.625%
HK$172,308
+HK$8,628/mo
Deposit HK$13.12M · loan HK$30.61M · min. income ≈ HK$327,360/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,470
−HK$11,254/mo
▼ 0.25% · 3.875%
HK$185,052
−HK$5,672/mo
Today · 4.125%
HK$190,724
baseline
▲ 0.50% · 4.625%
HK$202,329
+HK$11,605/mo
Deposit HK$4.37M · loan HK$39.35M · min. income ≈ HK$381,448/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,659
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$205,013
−HK$5,432/mo
Today · 4.125%
HK$210,445
baseline
▲ 0.50% · 4.625%
HK$221,538
+HK$11,093/mo
Deposit HK$4.37M · loan HK$39.35M · min. income ≈ HK$420,890/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,338 · Scale 2, in force from 26 Feb 2026)