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$99,509
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,604
−HK$3,145/mo
Today · 4.125%
HK$105,749
baseline
▲ 0.50% · 4.625%
HK$112,183
+HK$6,434/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$211,498/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,702
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,671
−HK$3,012/mo
Today · 4.125%
HK$116,683
baseline
▲ 0.50% · 4.625%
HK$122,834
+HK$6,151/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$233,366/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,410
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,125
−HK$3,773/mo
Today · 4.125%
HK$126,898
baseline
▲ 0.50% · 4.625%
HK$134,620
+HK$7,722/mo
Deposit HK$17.46M · loan HK$26.18M · min. income ≈ HK$253,796/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,843
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,406
−HK$3,614/mo
Today · 4.125%
HK$140,020
baseline
▲ 0.50% · 4.625%
HK$147,400
+HK$7,380/mo
Deposit HK$17.46M · loan HK$26.18M · min. income ≈ HK$280,040/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,312
−HK$8,736/mo
▼ 0.25% · 3.875%
HK$143,645
−HK$4,403/mo
Today · 4.125%
HK$148,048
baseline
▲ 0.50% · 4.625%
HK$157,056
+HK$9,008/mo
Deposit HK$13.09M · loan HK$30.55M · min. income ≈ HK$296,096/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,983
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$159,140
−HK$4,216/mo
Today · 4.125%
HK$163,356
baseline
▲ 0.50% · 4.625%
HK$171,967
+HK$8,611/mo
Deposit HK$13.09M · loan HK$30.55M · min. income ≈ HK$326,712/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,115
−HK$11,233/mo
▼ 0.25% · 3.875%
HK$184,687
−HK$5,661/mo
Today · 4.125%
HK$190,348
baseline
▲ 0.50% · 4.625%
HK$201,930
+HK$11,582/mo
Deposit HK$4.36M · loan HK$39.28M · min. income ≈ HK$380,696/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,264
−HK$10,766/mo
▼ 0.25% · 3.875%
HK$204,608
−HK$5,422/mo
Today · 4.125%
HK$210,030
baseline
▲ 0.50% · 4.625%
HK$221,101
+HK$11,071/mo
Deposit HK$4.36M · loan HK$39.28M · min. income ≈ HK$420,060/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,667 · Scale 2, in force from 26 Feb 2026)