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$99,956
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,066
−HK$3,159/mo
Today · 4.125%
HK$106,225
baseline
▲ 0.50% · 4.625%
HK$112,688
+HK$6,463/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$212,450/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$1,863,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,201
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,183
−HK$3,025/mo
Today · 4.125%
HK$117,208
baseline
▲ 0.50% · 4.625%
HK$123,387
+HK$6,179/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$234,416/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$1,863,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,948
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$123,679
−HK$3,790/mo
Today · 4.125%
HK$127,469
baseline
▲ 0.50% · 4.625%
HK$135,226
+HK$7,757/mo
Deposit HK$17.53M · loan HK$26.30M · min. income ≈ HK$254,938/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,441
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$137,019
−HK$3,631/mo
Today · 4.125%
HK$140,650
baseline
▲ 0.50% · 4.625%
HK$148,064
+HK$7,414/mo
Deposit HK$17.53M · loan HK$26.30M · min. income ≈ HK$281,300/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,939
−HK$8,775/mo
▼ 0.25% · 3.875%
HK$144,292
−HK$4,422/mo
Today · 4.125%
HK$148,714
baseline
▲ 0.50% · 4.625%
HK$157,763
+HK$9,049/mo
Deposit HK$13.15M · loan HK$30.68M · min. income ≈ HK$297,428/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,863,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,681
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$159,856
−HK$4,236/mo
Today · 4.125%
HK$164,092
baseline
▲ 0.50% · 4.625%
HK$172,741
+HK$8,649/mo
Deposit HK$13.15M · loan HK$30.68M · min. income ≈ HK$328,184/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,863,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,922
−HK$11,282/mo
▼ 0.25% · 3.875%
HK$185,518
−HK$5,686/mo
Today · 4.125%
HK$191,204
baseline
▲ 0.50% · 4.625%
HK$202,839
+HK$11,635/mo
Deposit HK$4.38M · loan HK$39.45M · min. income ≈ HK$382,408/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,161
−HK$10,814/mo
▼ 0.25% · 3.875%
HK$205,529
−HK$5,446/mo
Today · 4.125%
HK$210,975
baseline
▲ 0.50% · 4.625%
HK$222,096
+HK$11,121/mo
Deposit HK$4.38M · loan HK$39.45M · min. income ≈ HK$421,950/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,014 · Scale 2, in force from 26 Feb 2026)