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$99,770
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,874
−HK$3,153/mo
Today · 4.125%
HK$106,027
baseline
▲ 0.50% · 4.625%
HK$112,478
+HK$6,451/mo
Deposit HK$21.88M · loan HK$21.88M · min. income ≈ HK$212,054/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$1,859,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,994
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,970
−HK$3,020/mo
Today · 4.125%
HK$116,990
baseline
▲ 0.50% · 4.625%
HK$123,157
+HK$6,167/mo
Deposit HK$21.88M · loan HK$21.88M · min. income ≈ HK$233,980/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$1,859,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,724
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$123,449
−HK$3,783/mo
Today · 4.125%
HK$127,232
baseline
▲ 0.50% · 4.625%
HK$134,974
+HK$7,742/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$254,464/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,192
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$136,764
−HK$3,624/mo
Today · 4.125%
HK$140,388
baseline
▲ 0.50% · 4.625%
HK$147,788
+HK$7,400/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$280,776/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,679
−HK$8,759/mo
▼ 0.25% · 3.875%
HK$144,023
−HK$4,415/mo
Today · 4.125%
HK$148,438
baseline
▲ 0.50% · 4.625%
HK$157,470
+HK$9,032/mo
Deposit HK$13.13M · loan HK$30.63M · min. income ≈ HK$296,876/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,859,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,391
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$159,559
−HK$4,227/mo
Today · 4.125%
HK$163,786
baseline
▲ 0.50% · 4.625%
HK$172,420
+HK$8,634/mo
Deposit HK$13.13M · loan HK$30.63M · min. income ≈ HK$327,572/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,859,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,587
−HK$11,261/mo
▼ 0.25% · 3.875%
HK$185,173
−HK$5,675/mo
Today · 4.125%
HK$190,848
baseline
▲ 0.50% · 4.625%
HK$202,461
+HK$11,613/mo
Deposit HK$4.38M · loan HK$39.38M · min. income ≈ HK$381,696/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,788
−HK$10,794/mo
▼ 0.25% · 3.875%
HK$205,147
−HK$5,435/mo
Today · 4.125%
HK$210,582
baseline
▲ 0.50% · 4.625%
HK$221,682
+HK$11,100/mo
Deposit HK$4.38M · loan HK$39.38M · min. income ≈ HK$421,164/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,547 · Scale 2, in force from 26 Feb 2026)