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$99,749
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,852
−HK$3,152/mo
Today · 4.125%
HK$106,004
baseline
▲ 0.50% · 4.625%
HK$112,454
+HK$6,450/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$212,008/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,970
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,946
−HK$3,019/mo
Today · 4.125%
HK$116,965
baseline
▲ 0.50% · 4.625%
HK$123,131
+HK$6,166/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$233,930/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,699
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$123,422
−HK$3,783/mo
Today · 4.125%
HK$127,205
baseline
▲ 0.50% · 4.625%
HK$134,945
+HK$7,740/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$254,410/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,164
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$136,735
−HK$3,623/mo
Today · 4.125%
HK$140,358
baseline
▲ 0.50% · 4.625%
HK$147,757
+HK$7,399/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$280,716/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,649
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$143,993
−HK$4,413/mo
Today · 4.125%
HK$148,406
baseline
▲ 0.50% · 4.625%
HK$157,436
+HK$9,030/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$296,812/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,358
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$159,524
−HK$4,227/mo
Today · 4.125%
HK$163,751
baseline
▲ 0.50% · 4.625%
HK$172,383
+HK$8,632/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$327,502/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,548
−HK$11,260/mo
▼ 0.25% · 3.875%
HK$185,133
−HK$5,675/mo
Today · 4.125%
HK$190,808
baseline
▲ 0.50% · 4.625%
HK$202,418
+HK$11,610/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$381,616/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,746
−HK$10,791/mo
▼ 0.25% · 3.875%
HK$205,103
−HK$5,434/mo
Today · 4.125%
HK$210,537
baseline
▲ 0.50% · 4.625%
HK$221,635
+HK$11,098/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$421,074/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,149 · Scale 2, in force from 26 Feb 2026)