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$100,033
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,145
−HK$3,161/mo
Today · 4.125%
HK$106,306
baseline
▲ 0.50% · 4.625%
HK$112,775
+HK$6,469/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$212,612/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,286
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,271
−HK$3,027/mo
Today · 4.125%
HK$117,298
baseline
▲ 0.50% · 4.625%
HK$123,481
+HK$6,183/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$234,596/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,040
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$123,774
−HK$3,793/mo
Today · 4.125%
HK$127,567
baseline
▲ 0.50% · 4.625%
HK$135,330
+HK$7,763/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$255,134/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,543
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,125
−HK$3,633/mo
Today · 4.125%
HK$140,758
baseline
▲ 0.50% · 4.625%
HK$148,178
+HK$7,420/mo
Deposit HK$17.55M · loan HK$26.32M · min. income ≈ HK$281,516/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,047
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$144,403
−HK$4,426/mo
Today · 4.125%
HK$148,829
baseline
▲ 0.50% · 4.625%
HK$157,885
+HK$9,056/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$297,658/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,800
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$159,979
−HK$4,239/mo
Today · 4.125%
HK$164,218
baseline
▲ 0.50% · 4.625%
HK$172,874
+HK$8,656/mo
Deposit HK$13.16M · loan HK$30.71M · min. income ≈ HK$328,436/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,864,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,060
−HK$11,291/mo
▼ 0.25% · 3.875%
HK$185,661
−HK$5,690/mo
Today · 4.125%
HK$191,351
baseline
▲ 0.50% · 4.625%
HK$202,994
+HK$11,643/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$382,702/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,315
−HK$10,822/mo
▼ 0.25% · 3.875%
HK$205,687
−HK$5,450/mo
Today · 4.125%
HK$211,137
baseline
▲ 0.50% · 4.625%
HK$222,267
+HK$11,130/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$422,274/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,446 · Scale 2, in force from 26 Feb 2026)