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$99,922
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,030
−HK$3,158/mo
Today · 4.125%
HK$106,188
baseline
▲ 0.50% · 4.625%
HK$112,650
+HK$6,462/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$212,376/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,162
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,144
−HK$3,024/mo
Today · 4.125%
HK$117,168
baseline
▲ 0.50% · 4.625%
HK$123,344
+HK$6,176/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$234,336/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,907
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$123,636
−HK$3,790/mo
Today · 4.125%
HK$127,426
baseline
▲ 0.50% · 4.625%
HK$135,179
+HK$7,753/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$254,852/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,395
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$136,973
−HK$3,629/mo
Today · 4.125%
HK$140,602
baseline
▲ 0.50% · 4.625%
HK$148,013
+HK$7,411/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$281,204/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,891
−HK$8,773/mo
▼ 0.25% · 3.875%
HK$144,243
−HK$4,421/mo
Today · 4.125%
HK$148,664
baseline
▲ 0.50% · 4.625%
HK$157,709
+HK$9,045/mo
Deposit HK$13.15M · loan HK$30.67M · min. income ≈ HK$297,328/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,627
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$159,801
−HK$4,235/mo
Today · 4.125%
HK$164,036
baseline
▲ 0.50% · 4.625%
HK$172,682
+HK$8,646/mo
Deposit HK$13.15M · loan HK$30.67M · min. income ≈ HK$328,072/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,860
−HK$11,279/mo
▼ 0.25% · 3.875%
HK$185,455
−HK$5,684/mo
Today · 4.125%
HK$191,139
baseline
▲ 0.50% · 4.625%
HK$202,769
+HK$11,630/mo
Deposit HK$4.38M · loan HK$39.44M · min. income ≈ HK$382,278/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,092
−HK$10,811/mo
▼ 0.25% · 3.875%
HK$205,459
−HK$5,444/mo
Today · 4.125%
HK$210,903
baseline
▲ 0.50% · 4.625%
HK$222,020
+HK$11,117/mo
Deposit HK$4.38M · loan HK$39.44M · min. income ≈ HK$421,806/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,377 · Scale 2, in force from 26 Feb 2026)