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$99,616
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,715
−HK$3,148/mo
Today · 4.125%
HK$105,863
baseline
▲ 0.50% · 4.625%
HK$112,305
+HK$6,442/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$211,726/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$1,856,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,822
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,794
−HK$3,016/mo
Today · 4.125%
HK$116,810
baseline
▲ 0.50% · 4.625%
HK$122,967
+HK$6,157/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$233,620/mo (50% DSR)
Upfront cash ≈ HK$23.70M (deposit + AVD stamp duty HK$1,856,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,540
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$123,258
−HK$3,778/mo
Today · 4.125%
HK$127,036
baseline
▲ 0.50% · 4.625%
HK$134,766
+HK$7,730/mo
Deposit HK$17.47M · loan HK$26.21M · min. income ≈ HK$254,072/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,987
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$136,553
−HK$3,619/mo
Today · 4.125%
HK$140,172
baseline
▲ 0.50% · 4.625%
HK$147,560
+HK$7,388/mo
Deposit HK$17.47M · loan HK$26.21M · min. income ≈ HK$280,344/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,463
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$143,801
−HK$4,408/mo
Today · 4.125%
HK$148,209
baseline
▲ 0.50% · 4.625%
HK$157,227
+HK$9,018/mo
Deposit HK$13.11M · loan HK$30.58M · min. income ≈ HK$296,418/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,151
−HK$8,383/mo
▼ 0.25% · 3.875%
HK$159,312
−HK$4,222/mo
Today · 4.125%
HK$163,534
baseline
▲ 0.50% · 4.625%
HK$172,154
+HK$8,620/mo
Deposit HK$13.11M · loan HK$30.58M · min. income ≈ HK$327,068/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,310
−HK$11,244/mo
▼ 0.25% · 3.875%
HK$184,887
−HK$5,667/mo
Today · 4.125%
HK$190,554
baseline
▲ 0.50% · 4.625%
HK$202,149
+HK$11,595/mo
Deposit HK$4.37M · loan HK$39.32M · min. income ≈ HK$381,108/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,856,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,480
−HK$10,777/mo
▼ 0.25% · 3.875%
HK$204,830
−HK$5,427/mo
Today · 4.125%
HK$210,257
baseline
▲ 0.50% · 4.625%
HK$221,340
+HK$11,083/mo
Deposit HK$4.37M · loan HK$39.32M · min. income ≈ HK$420,514/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,856,677 · Scale 2, in force from 26 Feb 2026)