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$99,273
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,361
−HK$3,138/mo
Today · 4.125%
HK$105,499
baseline
▲ 0.50% · 4.625%
HK$111,918
+HK$6,419/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$210,998/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,441
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,403
−HK$3,004/mo
Today · 4.125%
HK$116,407
baseline
▲ 0.50% · 4.625%
HK$122,543
+HK$6,136/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$232,814/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,128
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,834
−HK$3,764/mo
Today · 4.125%
HK$126,598
baseline
▲ 0.50% · 4.625%
HK$134,302
+HK$7,704/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$253,196/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,850,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,529
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,083
−HK$3,606/mo
Today · 4.125%
HK$139,689
baseline
▲ 0.50% · 4.625%
HK$147,052
+HK$7,363/mo
Deposit HK$17.41M · loan HK$26.12M · min. income ≈ HK$279,378/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,850,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,983
−HK$8,715/mo
▼ 0.25% · 3.875%
HK$143,306
−HK$4,392/mo
Today · 4.125%
HK$147,698
baseline
▲ 0.50% · 4.625%
HK$156,685
+HK$8,987/mo
Deposit HK$13.06M · loan HK$30.48M · min. income ≈ HK$295,396/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,850,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,617
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$158,764
−HK$4,206/mo
Today · 4.125%
HK$162,970
baseline
▲ 0.50% · 4.625%
HK$171,561
+HK$8,591/mo
Deposit HK$13.06M · loan HK$30.48M · min. income ≈ HK$325,940/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,850,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,692
−HK$11,206/mo
▼ 0.25% · 3.875%
HK$184,250
−HK$5,648/mo
Today · 4.125%
HK$189,898
baseline
▲ 0.50% · 4.625%
HK$201,452
+HK$11,554/mo
Deposit HK$4.35M · loan HK$39.18M · min. income ≈ HK$379,796/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,850,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,793
−HK$10,740/mo
▼ 0.25% · 3.875%
HK$204,125
−HK$5,408/mo
Today · 4.125%
HK$209,533
baseline
▲ 0.50% · 4.625%
HK$220,578
+HK$11,045/mo
Deposit HK$4.35M · loan HK$39.18M · min. income ≈ HK$419,066/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,850,283 · Scale 2, in force from 26 Feb 2026)