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$99,162
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,247
−HK$3,134/mo
Today · 4.125%
HK$105,381
baseline
▲ 0.50% · 4.625%
HK$111,793
+HK$6,412/mo
Deposit HK$21.74M · loan HK$21.74M · min. income ≈ HK$210,762/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$1,848,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,317
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,276
−HK$3,001/mo
Today · 4.125%
HK$116,277
baseline
▲ 0.50% · 4.625%
HK$122,406
+HK$6,129/mo
Deposit HK$21.74M · loan HK$21.74M · min. income ≈ HK$232,554/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$1,848,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,995
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,696
−HK$3,761/mo
Today · 4.125%
HK$126,457
baseline
▲ 0.50% · 4.625%
HK$134,151
+HK$7,694/mo
Deposit HK$17.39M · loan HK$26.09M · min. income ≈ HK$252,914/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,848,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,380
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,931
−HK$3,602/mo
Today · 4.125%
HK$139,533
baseline
▲ 0.50% · 4.625%
HK$146,888
+HK$7,355/mo
Deposit HK$17.39M · loan HK$26.09M · min. income ≈ HK$279,066/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,848,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,827
−HK$8,706/mo
▼ 0.25% · 3.875%
HK$143,146
−HK$4,387/mo
Today · 4.125%
HK$147,533
baseline
▲ 0.50% · 4.625%
HK$156,510
+HK$8,977/mo
Deposit HK$13.05M · loan HK$30.44M · min. income ≈ HK$295,066/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,848,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,444
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$158,586
−HK$4,202/mo
Today · 4.125%
HK$162,788
baseline
▲ 0.50% · 4.625%
HK$171,369
+HK$8,581/mo
Deposit HK$13.05M · loan HK$30.44M · min. income ≈ HK$325,576/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,848,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,492
−HK$11,193/mo
▼ 0.25% · 3.875%
HK$184,044
−HK$5,641/mo
Today · 4.125%
HK$189,685
baseline
▲ 0.50% · 4.625%
HK$201,227
+HK$11,542/mo
Deposit HK$4.35M · loan HK$39.14M · min. income ≈ HK$379,370/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,571
−HK$10,728/mo
▼ 0.25% · 3.875%
HK$203,896
−HK$5,403/mo
Today · 4.125%
HK$209,299
baseline
▲ 0.50% · 4.625%
HK$220,331
+HK$11,032/mo
Deposit HK$4.35M · loan HK$39.14M · min. income ≈ HK$418,598/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,848,213 · Scale 2, in force from 26 Feb 2026)