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$99,958
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$103,067
−HK$3,159/mo
Today · 4.125%
HK$106,226
baseline
▲ 0.50% · 4.625%
HK$112,690
+HK$6,464/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$212,452/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$1,863,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,202
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,185
−HK$3,025/mo
Today · 4.125%
HK$117,210
baseline
▲ 0.50% · 4.625%
HK$123,388
+HK$6,178/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$234,420/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$1,863,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,950
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$123,681
−HK$3,790/mo
Today · 4.125%
HK$127,471
baseline
▲ 0.50% · 4.625%
HK$135,228
+HK$7,757/mo
Deposit HK$17.53M · loan HK$26.30M · min. income ≈ HK$254,942/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,443
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$137,022
−HK$3,630/mo
Today · 4.125%
HK$140,652
baseline
▲ 0.50% · 4.625%
HK$148,066
+HK$7,414/mo
Deposit HK$17.53M · loan HK$26.30M · min. income ≈ HK$281,304/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,941
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$144,294
−HK$4,423/mo
Today · 4.125%
HK$148,717
baseline
▲ 0.50% · 4.625%
HK$157,766
+HK$9,049/mo
Deposit HK$13.15M · loan HK$30.69M · min. income ≈ HK$297,434/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,863,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,683
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$159,858
−HK$4,236/mo
Today · 4.125%
HK$164,094
baseline
▲ 0.50% · 4.625%
HK$172,744
+HK$8,650/mo
Deposit HK$13.15M · loan HK$30.69M · min. income ≈ HK$328,188/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,863,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,924
−HK$11,283/mo
▼ 0.25% · 3.875%
HK$185,521
−HK$5,686/mo
Today · 4.125%
HK$191,207
baseline
▲ 0.50% · 4.625%
HK$202,842
+HK$11,635/mo
Deposit HK$4.38M · loan HK$39.45M · min. income ≈ HK$382,414/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,164
−HK$10,814/mo
▼ 0.25% · 3.875%
HK$205,532
−HK$5,446/mo
Today · 4.125%
HK$210,978
baseline
▲ 0.50% · 4.625%
HK$222,099
+HK$11,121/mo
Deposit HK$4.38M · loan HK$39.45M · min. income ≈ HK$421,956/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,042 · Scale 2, in force from 26 Feb 2026)