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$99,675
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,775
−HK$3,150/mo
Today · 4.125%
HK$105,925
baseline
▲ 0.50% · 4.625%
HK$112,371
+HK$6,446/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$211,850/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,887
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,861
−HK$3,017/mo
Today · 4.125%
HK$116,878
baseline
▲ 0.50% · 4.625%
HK$123,039
+HK$6,161/mo
Deposit HK$21.86M · loan HK$21.86M · min. income ≈ HK$233,756/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,610
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,330
−HK$3,780/mo
Today · 4.125%
HK$127,110
baseline
▲ 0.50% · 4.625%
HK$134,845
+HK$7,735/mo
Deposit HK$17.48M · loan HK$26.23M · min. income ≈ HK$254,220/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,065
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,633
−HK$3,621/mo
Today · 4.125%
HK$140,254
baseline
▲ 0.50% · 4.625%
HK$147,647
+HK$7,393/mo
Deposit HK$17.48M · loan HK$26.23M · min. income ≈ HK$280,508/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,545
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$143,885
−HK$4,410/mo
Today · 4.125%
HK$148,295
baseline
▲ 0.50% · 4.625%
HK$157,319
+HK$9,024/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$296,590/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,242
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$159,406
−HK$4,223/mo
Today · 4.125%
HK$163,629
baseline
▲ 0.50% · 4.625%
HK$172,254
+HK$8,625/mo
Deposit HK$13.11M · loan HK$30.60M · min. income ≈ HK$327,258/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,415
−HK$11,250/mo
▼ 0.25% · 3.875%
HK$184,995
−HK$5,670/mo
Today · 4.125%
HK$190,665
baseline
▲ 0.50% · 4.625%
HK$202,267
+HK$11,602/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$381,330/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,597
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$204,950
−HK$5,430/mo
Today · 4.125%
HK$210,380
baseline
▲ 0.50% · 4.625%
HK$221,470
+HK$11,090/mo
Deposit HK$4.37M · loan HK$39.34M · min. income ≈ HK$420,760/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,764 · Scale 2, in force from 26 Feb 2026)