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$99,888
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,995
−HK$3,157/mo
Today · 4.125%
HK$106,152
baseline
▲ 0.50% · 4.625%
HK$112,611
+HK$6,459/mo
Deposit HK$21.90M · loan HK$21.90M · min. income ≈ HK$212,304/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$1,861,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,125
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,105
−HK$3,023/mo
Today · 4.125%
HK$117,128
baseline
▲ 0.50% · 4.625%
HK$123,302
+HK$6,174/mo
Deposit HK$21.90M · loan HK$21.90M · min. income ≈ HK$234,256/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$1,861,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,866
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$123,594
−HK$3,788/mo
Today · 4.125%
HK$127,382
baseline
▲ 0.50% · 4.625%
HK$135,133
+HK$7,751/mo
Deposit HK$17.52M · loan HK$26.28M · min. income ≈ HK$254,764/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,349
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$136,926
−HK$3,628/mo
Today · 4.125%
HK$140,554
baseline
▲ 0.50% · 4.625%
HK$147,963
+HK$7,409/mo
Deposit HK$17.52M · loan HK$26.28M · min. income ≈ HK$281,108/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,861,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,843
−HK$8,770/mo
▼ 0.25% · 3.875%
HK$144,193
−HK$4,420/mo
Today · 4.125%
HK$148,613
baseline
▲ 0.50% · 4.625%
HK$157,656
+HK$9,043/mo
Deposit HK$13.14M · loan HK$30.66M · min. income ≈ HK$297,226/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,574
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$159,747
−HK$4,233/mo
Today · 4.125%
HK$163,980
baseline
▲ 0.50% · 4.625%
HK$172,623
+HK$8,643/mo
Deposit HK$13.14M · loan HK$30.66M · min. income ≈ HK$327,960/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,861,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,799
−HK$11,275/mo
▼ 0.25% · 3.875%
HK$185,391
−HK$5,683/mo
Today · 4.125%
HK$191,074
baseline
▲ 0.50% · 4.625%
HK$202,700
+HK$11,626/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$382,148/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,024
−HK$10,807/mo
▼ 0.25% · 3.875%
HK$205,389
−HK$5,442/mo
Today · 4.125%
HK$210,831
baseline
▲ 0.50% · 4.625%
HK$221,944
+HK$11,113/mo
Deposit HK$4.38M · loan HK$39.43M · min. income ≈ HK$421,662/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,861,741 · Scale 2, in force from 26 Feb 2026)