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$99,798
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,902
−HK$3,154/mo
Today · 4.125%
HK$106,056
baseline
▲ 0.50% · 4.625%
HK$112,509
+HK$6,453/mo
Deposit HK$21.88M · loan HK$21.88M · min. income ≈ HK$212,112/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$1,860,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,024
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,002
−HK$3,021/mo
Today · 4.125%
HK$117,023
baseline
▲ 0.50% · 4.625%
HK$123,191
+HK$6,168/mo
Deposit HK$21.88M · loan HK$21.88M · min. income ≈ HK$234,046/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$1,860,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,758
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,483
−HK$3,784/mo
Today · 4.125%
HK$127,267
baseline
▲ 0.50% · 4.625%
HK$135,011
+HK$7,744/mo
Deposit HK$17.51M · loan HK$26.26M · min. income ≈ HK$254,534/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,860,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,229
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$136,802
−HK$3,625/mo
Today · 4.125%
HK$140,427
baseline
▲ 0.50% · 4.625%
HK$147,829
+HK$7,402/mo
Deposit HK$17.51M · loan HK$26.26M · min. income ≈ HK$280,854/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,860,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,717
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$144,063
−HK$4,416/mo
Today · 4.125%
HK$148,479
baseline
▲ 0.50% · 4.625%
HK$157,513
+HK$9,034/mo
Deposit HK$13.13M · loan HK$30.64M · min. income ≈ HK$296,958/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,860,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,434
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$159,603
−HK$4,229/mo
Today · 4.125%
HK$163,832
baseline
▲ 0.50% · 4.625%
HK$172,467
+HK$8,635/mo
Deposit HK$13.13M · loan HK$30.64M · min. income ≈ HK$327,664/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,860,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,636
−HK$11,265/mo
▼ 0.25% · 3.875%
HK$185,224
−HK$5,677/mo
Today · 4.125%
HK$190,901
baseline
▲ 0.50% · 4.625%
HK$202,517
+HK$11,616/mo
Deposit HK$4.38M · loan HK$39.39M · min. income ≈ HK$381,802/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,844
−HK$10,797/mo
▼ 0.25% · 3.875%
HK$205,203
−HK$5,438/mo
Today · 4.125%
HK$210,641
baseline
▲ 0.50% · 4.625%
HK$221,744
+HK$11,103/mo
Deposit HK$4.38M · loan HK$39.39M · min. income ≈ HK$421,282/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,061 · Scale 2, in force from 26 Feb 2026)