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$100,219
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,336
−HK$3,167/mo
Today · 4.125%
HK$106,503
baseline
▲ 0.50% · 4.625%
HK$112,984
+HK$6,481/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$213,006/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,492
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,482
−HK$3,034/mo
Today · 4.125%
HK$117,516
baseline
▲ 0.50% · 4.625%
HK$123,710
+HK$6,194/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$235,032/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,262
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$124,003
−HK$3,801/mo
Today · 4.125%
HK$127,804
baseline
▲ 0.50% · 4.625%
HK$135,580
+HK$7,776/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$255,608/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,867,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,791
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,379
−HK$3,640/mo
Today · 4.125%
HK$141,019
baseline
▲ 0.50% · 4.625%
HK$148,452
+HK$7,433/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$282,038/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,867,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,306
−HK$8,798/mo
▼ 0.25% · 3.875%
HK$144,670
−HK$4,434/mo
Today · 4.125%
HK$149,104
baseline
▲ 0.50% · 4.625%
HK$158,177
+HK$9,073/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$298,208/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,089
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$160,275
−HK$4,247/mo
Today · 4.125%
HK$164,522
baseline
▲ 0.50% · 4.625%
HK$173,194
+HK$8,672/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$329,044/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,393
−HK$11,313/mo
▼ 0.25% · 3.875%
HK$186,005
−HK$5,701/mo
Today · 4.125%
HK$191,706
baseline
▲ 0.50% · 4.625%
HK$203,370
+HK$11,664/mo
Deposit HK$4.40M · loan HK$39.56M · min. income ≈ HK$383,412/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,686
−HK$10,842/mo
▼ 0.25% · 3.875%
HK$206,068
−HK$5,460/mo
Today · 4.125%
HK$211,528
baseline
▲ 0.50% · 4.625%
HK$222,678
+HK$11,150/mo
Deposit HK$4.40M · loan HK$39.56M · min. income ≈ HK$423,056/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,899 · Scale 2, in force from 26 Feb 2026)