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$99,669
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,769
−HK$3,150/mo
Today · 4.125%
HK$105,919
baseline
▲ 0.50% · 4.625%
HK$112,364
+HK$6,445/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$211,838/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,880
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,854
−HK$3,017/mo
Today · 4.125%
HK$116,871
baseline
▲ 0.50% · 4.625%
HK$123,031
+HK$6,160/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$233,742/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,602
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$123,323
−HK$3,780/mo
Today · 4.125%
HK$127,103
baseline
▲ 0.50% · 4.625%
HK$134,836
+HK$7,733/mo
Deposit HK$17.48M · loan HK$26.23M · min. income ≈ HK$254,206/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,056
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,625
−HK$3,620/mo
Today · 4.125%
HK$140,245
baseline
▲ 0.50% · 4.625%
HK$147,638
+HK$7,393/mo
Deposit HK$17.48M · loan HK$26.23M · min. income ≈ HK$280,490/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,536
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$143,877
−HK$4,409/mo
Today · 4.125%
HK$148,286
baseline
▲ 0.50% · 4.625%
HK$157,309
+HK$9,023/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$296,572/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,233
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$159,396
−HK$4,223/mo
Today · 4.125%
HK$163,619
baseline
▲ 0.50% · 4.625%
HK$172,244
+HK$8,625/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$327,238/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,404
−HK$11,250/mo
▼ 0.25% · 3.875%
HK$184,984
−HK$5,670/mo
Today · 4.125%
HK$190,654
baseline
▲ 0.50% · 4.625%
HK$202,255
+HK$11,601/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$381,308/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,585
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$204,937
−HK$5,431/mo
Today · 4.125%
HK$210,368
baseline
▲ 0.50% · 4.625%
HK$221,456
+HK$11,088/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$420,736/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,651 · Scale 2, in force from 26 Feb 2026)