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$99,973
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,083
−HK$3,159/mo
Today · 4.125%
HK$106,242
baseline
▲ 0.50% · 4.625%
HK$112,707
+HK$6,465/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$212,484/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$1,863,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,219
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,202
−HK$3,026/mo
Today · 4.125%
HK$117,228
baseline
▲ 0.50% · 4.625%
HK$123,407
+HK$6,179/mo
Deposit HK$21.92M · loan HK$21.92M · min. income ≈ HK$234,456/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$1,863,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,968
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$123,699
−HK$3,792/mo
Today · 4.125%
HK$127,491
baseline
▲ 0.50% · 4.625%
HK$135,248
+HK$7,757/mo
Deposit HK$17.54M · loan HK$26.31M · min. income ≈ HK$254,982/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,463
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$137,042
−HK$3,632/mo
Today · 4.125%
HK$140,674
baseline
▲ 0.50% · 4.625%
HK$148,089
+HK$7,415/mo
Deposit HK$17.54M · loan HK$26.31M · min. income ≈ HK$281,348/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,962
−HK$8,777/mo
▼ 0.25% · 3.875%
HK$144,316
−HK$4,423/mo
Today · 4.125%
HK$148,739
baseline
▲ 0.50% · 4.625%
HK$157,790
+HK$9,051/mo
Deposit HK$13.15M · loan HK$30.69M · min. income ≈ HK$297,478/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,863,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,707
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$159,883
−HK$4,236/mo
Today · 4.125%
HK$164,119
baseline
▲ 0.50% · 4.625%
HK$172,770
+HK$8,651/mo
Deposit HK$13.15M · loan HK$30.69M · min. income ≈ HK$328,238/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,863,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,952
−HK$11,284/mo
▼ 0.25% · 3.875%
HK$185,549
−HK$5,687/mo
Today · 4.125%
HK$191,236
baseline
▲ 0.50% · 4.625%
HK$202,873
+HK$11,637/mo
Deposit HK$4.38M · loan HK$39.46M · min. income ≈ HK$382,472/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,194
−HK$10,816/mo
▼ 0.25% · 3.875%
HK$205,564
−HK$5,446/mo
Today · 4.125%
HK$211,010
baseline
▲ 0.50% · 4.625%
HK$222,133
+HK$11,123/mo
Deposit HK$4.38M · loan HK$39.46M · min. income ≈ HK$422,020/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,326 · Scale 2, in force from 26 Feb 2026)