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$99,498
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,593
−HK$3,144/mo
Today · 4.125%
HK$105,737
baseline
▲ 0.50% · 4.625%
HK$112,171
+HK$6,434/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$211,474/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,690
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,659
−HK$3,012/mo
Today · 4.125%
HK$116,671
baseline
▲ 0.50% · 4.625%
HK$122,821
+HK$6,150/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$233,342/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,397
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,111
−HK$3,774/mo
Today · 4.125%
HK$126,885
baseline
▲ 0.50% · 4.625%
HK$134,605
+HK$7,720/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$253,770/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,828
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,391
−HK$3,614/mo
Today · 4.125%
HK$140,005
baseline
▲ 0.50% · 4.625%
HK$147,385
+HK$7,380/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$280,010/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,297
−HK$8,735/mo
▼ 0.25% · 3.875%
HK$143,630
−HK$4,402/mo
Today · 4.125%
HK$148,032
baseline
▲ 0.50% · 4.625%
HK$157,040
+HK$9,008/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$296,064/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,967
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$159,123
−HK$4,216/mo
Today · 4.125%
HK$163,339
baseline
▲ 0.50% · 4.625%
HK$171,949
+HK$8,610/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$326,678/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,854,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,096
−HK$11,231/mo
▼ 0.25% · 3.875%
HK$184,667
−HK$5,660/mo
Today · 4.125%
HK$190,327
baseline
▲ 0.50% · 4.625%
HK$201,908
+HK$11,581/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$380,654/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,243
−HK$10,764/mo
▼ 0.25% · 3.875%
HK$204,586
−HK$5,421/mo
Today · 4.125%
HK$210,007
baseline
▲ 0.50% · 4.625%
HK$221,077
+HK$11,070/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$420,014/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,467 · Scale 2, in force from 26 Feb 2026)