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$99,641
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,741
−HK$3,149/mo
Today · 4.125%
HK$105,890
baseline
▲ 0.50% · 4.625%
HK$112,333
+HK$6,443/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$211,780/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,850
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,823
−HK$3,016/mo
Today · 4.125%
HK$116,839
baseline
▲ 0.50% · 4.625%
HK$122,997
+HK$6,158/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$233,678/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,569
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,289
−HK$3,778/mo
Today · 4.125%
HK$127,067
baseline
▲ 0.50% · 4.625%
HK$134,799
+HK$7,732/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$254,134/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,020
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,587
−HK$3,619/mo
Today · 4.125%
HK$140,206
baseline
▲ 0.50% · 4.625%
HK$147,597
+HK$7,391/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$280,412/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,498
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$143,837
−HK$4,408/mo
Today · 4.125%
HK$148,245
baseline
▲ 0.50% · 4.625%
HK$157,266
+HK$9,021/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$296,490/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,190
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$159,352
−HK$4,222/mo
Today · 4.125%
HK$163,574
baseline
▲ 0.50% · 4.625%
HK$172,196
+HK$8,622/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$327,148/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,354
−HK$11,247/mo
▼ 0.25% · 3.875%
HK$184,933
−HK$5,668/mo
Today · 4.125%
HK$190,601
baseline
▲ 0.50% · 4.625%
HK$202,199
+HK$11,598/mo
Deposit HK$4.37M · loan HK$39.33M · min. income ≈ HK$381,202/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,530
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$204,881
−HK$5,429/mo
Today · 4.125%
HK$210,310
baseline
▲ 0.50% · 4.625%
HK$221,395
+HK$11,085/mo
Deposit HK$4.37M · loan HK$39.33M · min. income ≈ HK$420,620/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,137 · Scale 2, in force from 26 Feb 2026)