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$100,198
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,315
−HK$3,166/mo
Today · 4.125%
HK$106,481
baseline
▲ 0.50% · 4.625%
HK$112,960
+HK$6,479/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$212,962/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,469
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,459
−HK$3,032/mo
Today · 4.125%
HK$117,491
baseline
▲ 0.50% · 4.625%
HK$123,685
+HK$6,194/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$234,982/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,237
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,978
−HK$3,799/mo
Today · 4.125%
HK$127,777
baseline
▲ 0.50% · 4.625%
HK$135,552
+HK$7,775/mo
Deposit HK$17.58M · loan HK$26.36M · min. income ≈ HK$255,554/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,867,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,763
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,350
−HK$3,640/mo
Today · 4.125%
HK$140,990
baseline
▲ 0.50% · 4.625%
HK$148,422
+HK$7,432/mo
Deposit HK$17.58M · loan HK$26.36M · min. income ≈ HK$281,980/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,867,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,277
−HK$8,797/mo
▼ 0.25% · 3.875%
HK$144,640
−HK$4,434/mo
Today · 4.125%
HK$149,074
baseline
▲ 0.50% · 4.625%
HK$158,144
+HK$9,070/mo
Deposit HK$13.18M · loan HK$30.76M · min. income ≈ HK$298,148/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,057
−HK$8,431/mo
▼ 0.25% · 3.875%
HK$160,242
−HK$4,246/mo
Today · 4.125%
HK$164,488
baseline
▲ 0.50% · 4.625%
HK$173,158
+HK$8,670/mo
Deposit HK$13.18M · loan HK$30.76M · min. income ≈ HK$328,976/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,356
−HK$11,310/mo
▼ 0.25% · 3.875%
HK$185,966
−HK$5,700/mo
Today · 4.125%
HK$191,666
baseline
▲ 0.50% · 4.625%
HK$203,329
+HK$11,663/mo
Deposit HK$4.39M · loan HK$39.55M · min. income ≈ HK$383,332/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,644
−HK$10,841/mo
▼ 0.25% · 3.875%
HK$206,026
−HK$5,459/mo
Today · 4.125%
HK$211,485
baseline
▲ 0.50% · 4.625%
HK$222,632
+HK$11,147/mo
Deposit HK$4.39M · loan HK$39.55M · min. income ≈ HK$422,970/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,514 · Scale 2, in force from 26 Feb 2026)