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$100,016
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,127
−HK$3,161/mo
Today · 4.125%
HK$106,288
baseline
▲ 0.50% · 4.625%
HK$112,755
+HK$6,467/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$212,576/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$1,864,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,266
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,251
−HK$3,027/mo
Today · 4.125%
HK$117,278
baseline
▲ 0.50% · 4.625%
HK$123,460
+HK$6,182/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$234,556/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$1,864,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,019
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,752
−HK$3,793/mo
Today · 4.125%
HK$127,545
baseline
▲ 0.50% · 4.625%
HK$135,306
+HK$7,761/mo
Deposit HK$17.54M · loan HK$26.32M · min. income ≈ HK$255,090/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,520
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,101
−HK$3,632/mo
Today · 4.125%
HK$140,733
baseline
▲ 0.50% · 4.625%
HK$148,152
+HK$7,419/mo
Deposit HK$17.54M · loan HK$26.32M · min. income ≈ HK$281,466/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,022
−HK$8,781/mo
▼ 0.25% · 3.875%
HK$144,377
−HK$4,426/mo
Today · 4.125%
HK$148,803
baseline
▲ 0.50% · 4.625%
HK$157,857
+HK$9,054/mo
Deposit HK$13.16M · loan HK$30.70M · min. income ≈ HK$297,606/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,864,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,773
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$159,951
−HK$4,238/mo
Today · 4.125%
HK$164,189
baseline
▲ 0.50% · 4.625%
HK$172,844
+HK$8,655/mo
Deposit HK$13.16M · loan HK$30.70M · min. income ≈ HK$328,378/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,864,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,028
−HK$11,290/mo
▼ 0.25% · 3.875%
HK$185,628
−HK$5,690/mo
Today · 4.125%
HK$191,318
baseline
▲ 0.50% · 4.625%
HK$202,959
+HK$11,641/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$382,636/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,280
−HK$10,820/mo
▼ 0.25% · 3.875%
HK$205,651
−HK$5,449/mo
Today · 4.125%
HK$211,100
baseline
▲ 0.50% · 4.625%
HK$222,227
+HK$11,127/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$422,200/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,118 · Scale 2, in force from 26 Feb 2026)