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$99,755
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,858
−HK$3,153/mo
Today · 4.125%
HK$106,011
baseline
▲ 0.50% · 4.625%
HK$112,461
+HK$6,450/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$212,022/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,976
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,953
−HK$3,019/mo
Today · 4.125%
HK$116,972
baseline
▲ 0.50% · 4.625%
HK$123,138
+HK$6,166/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$233,944/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,706
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$123,430
−HK$3,783/mo
Today · 4.125%
HK$127,213
baseline
▲ 0.50% · 4.625%
HK$134,953
+HK$7,740/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$254,426/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,172
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$136,743
−HK$3,624/mo
Today · 4.125%
HK$140,367
baseline
▲ 0.50% · 4.625%
HK$147,765
+HK$7,398/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$280,734/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,657
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$144,001
−HK$4,414/mo
Today · 4.125%
HK$148,415
baseline
▲ 0.50% · 4.625%
HK$157,445
+HK$9,030/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$296,830/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,367
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$159,534
−HK$4,227/mo
Today · 4.125%
HK$163,761
baseline
▲ 0.50% · 4.625%
HK$172,393
+HK$8,632/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$327,522/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,559
−HK$11,260/mo
▼ 0.25% · 3.875%
HK$185,144
−HK$5,675/mo
Today · 4.125%
HK$190,819
baseline
▲ 0.50% · 4.625%
HK$202,430
+HK$11,611/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$381,638/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,758
−HK$10,792/mo
▼ 0.25% · 3.875%
HK$205,115
−HK$5,435/mo
Today · 4.125%
HK$210,550
baseline
▲ 0.50% · 4.625%
HK$221,648
+HK$11,098/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$421,100/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,260 · Scale 2, in force from 26 Feb 2026)