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$100,084
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,197
−HK$3,163/mo
Today · 4.125%
HK$106,360
baseline
▲ 0.50% · 4.625%
HK$112,832
+HK$6,472/mo
Deposit HK$21.95M · loan HK$21.95M · min. income ≈ HK$212,720/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$1,865,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,343
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,329
−HK$3,029/mo
Today · 4.125%
HK$117,358
baseline
▲ 0.50% · 4.625%
HK$123,544
+HK$6,186/mo
Deposit HK$21.95M · loan HK$21.95M · min. income ≈ HK$234,716/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$1,865,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,101
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$123,837
−HK$3,795/mo
Today · 4.125%
HK$127,632
baseline
▲ 0.50% · 4.625%
HK$135,399
+HK$7,767/mo
Deposit HK$17.56M · loan HK$26.33M · min. income ≈ HK$255,264/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,865,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,611
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$137,195
−HK$3,635/mo
Today · 4.125%
HK$140,830
baseline
▲ 0.50% · 4.625%
HK$148,253
+HK$7,423/mo
Deposit HK$17.56M · loan HK$26.33M · min. income ≈ HK$281,660/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$1,865,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,118
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$144,476
−HK$4,428/mo
Today · 4.125%
HK$148,904
baseline
▲ 0.50% · 4.625%
HK$157,965
+HK$9,061/mo
Deposit HK$13.17M · loan HK$30.72M · min. income ≈ HK$297,808/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,865,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,880
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$160,060
−HK$4,241/mo
Today · 4.125%
HK$164,301
baseline
▲ 0.50% · 4.625%
HK$172,962
+HK$8,661/mo
Deposit HK$13.17M · loan HK$30.72M · min. income ≈ HK$328,602/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,865,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,152
−HK$11,297/mo
▼ 0.25% · 3.875%
HK$185,755
−HK$5,694/mo
Today · 4.125%
HK$191,449
baseline
▲ 0.50% · 4.625%
HK$203,098
+HK$11,649/mo
Deposit HK$4.39M · loan HK$39.50M · min. income ≈ HK$382,898/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,865,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,417
−HK$10,828/mo
▼ 0.25% · 3.875%
HK$205,792
−HK$5,453/mo
Today · 4.125%
HK$211,245
baseline
▲ 0.50% · 4.625%
HK$222,380
+HK$11,135/mo
Deposit HK$4.39M · loan HK$39.50M · min. income ≈ HK$422,490/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,865,395 · Scale 2, in force from 26 Feb 2026)