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$99,982
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,092
−HK$3,160/mo
Today · 4.125%
HK$106,252
baseline
▲ 0.50% · 4.625%
HK$112,717
+HK$6,465/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$212,504/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$1,863,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,229
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,212
−HK$3,027/mo
Today · 4.125%
HK$117,239
baseline
▲ 0.50% · 4.625%
HK$123,418
+HK$6,179/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$234,478/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$1,863,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,979
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$123,711
−HK$3,791/mo
Today · 4.125%
HK$127,502
baseline
▲ 0.50% · 4.625%
HK$135,261
+HK$7,759/mo
Deposit HK$17.54M · loan HK$26.31M · min. income ≈ HK$255,004/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,475
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$137,055
−HK$3,631/mo
Today · 4.125%
HK$140,686
baseline
▲ 0.50% · 4.625%
HK$148,102
+HK$7,416/mo
Deposit HK$17.54M · loan HK$26.31M · min. income ≈ HK$281,372/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,975
−HK$8,778/mo
▼ 0.25% · 3.875%
HK$144,329
−HK$4,424/mo
Today · 4.125%
HK$148,753
baseline
▲ 0.50% · 4.625%
HK$157,804
+HK$9,051/mo
Deposit HK$13.15M · loan HK$30.69M · min. income ≈ HK$297,506/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,863,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,721
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$159,897
−HK$4,237/mo
Today · 4.125%
HK$164,134
baseline
▲ 0.50% · 4.625%
HK$172,786
+HK$8,652/mo
Deposit HK$13.15M · loan HK$30.69M · min. income ≈ HK$328,268/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,863,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,968
−HK$11,285/mo
▼ 0.25% · 3.875%
HK$185,566
−HK$5,687/mo
Today · 4.125%
HK$191,253
baseline
▲ 0.50% · 4.625%
HK$202,891
+HK$11,638/mo
Deposit HK$4.38M · loan HK$39.46M · min. income ≈ HK$382,506/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,212
−HK$10,817/mo
▼ 0.25% · 3.875%
HK$205,582
−HK$5,447/mo
Today · 4.125%
HK$211,029
baseline
▲ 0.50% · 4.625%
HK$222,153
+HK$11,124/mo
Deposit HK$4.38M · loan HK$39.46M · min. income ≈ HK$422,058/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,493 · Scale 2, in force from 26 Feb 2026)