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$99,646
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,745
−HK$3,149/mo
Today · 4.125%
HK$105,894
baseline
▲ 0.50% · 4.625%
HK$112,338
+HK$6,444/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$211,788/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,855
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,828
−HK$3,016/mo
Today · 4.125%
HK$116,844
baseline
▲ 0.50% · 4.625%
HK$123,003
+HK$6,159/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$233,688/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,575
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,294
−HK$3,779/mo
Today · 4.125%
HK$127,073
baseline
▲ 0.50% · 4.625%
HK$134,805
+HK$7,732/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$254,146/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,026
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$136,593
−HK$3,620/mo
Today · 4.125%
HK$140,213
baseline
▲ 0.50% · 4.625%
HK$147,604
+HK$7,391/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$280,426/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,504
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$143,843
−HK$4,409/mo
Today · 4.125%
HK$148,252
baseline
▲ 0.50% · 4.625%
HK$157,273
+HK$9,021/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$296,504/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,197
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$159,359
−HK$4,223/mo
Today · 4.125%
HK$163,582
baseline
▲ 0.50% · 4.625%
HK$172,204
+HK$8,622/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$327,164/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,362
−HK$11,248/mo
▼ 0.25% · 3.875%
HK$184,941
−HK$5,669/mo
Today · 4.125%
HK$190,610
baseline
▲ 0.50% · 4.625%
HK$202,208
+HK$11,598/mo
Deposit HK$4.37M · loan HK$39.33M · min. income ≈ HK$381,220/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,539
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$204,890
−HK$5,429/mo
Today · 4.125%
HK$210,319
baseline
▲ 0.50% · 4.625%
HK$221,405
+HK$11,086/mo
Deposit HK$4.37M · loan HK$39.33M · min. income ≈ HK$420,638/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,222 · Scale 2, in force from 26 Feb 2026)