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$100,158
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,274
−HK$3,165/mo
Today · 4.125%
HK$106,439
baseline
▲ 0.50% · 4.625%
HK$112,916
+HK$6,477/mo
Deposit HK$21.96M · loan HK$21.96M · min. income ≈ HK$212,878/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,866,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,425
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,414
−HK$3,031/mo
Today · 4.125%
HK$117,445
baseline
▲ 0.50% · 4.625%
HK$123,636
+HK$6,191/mo
Deposit HK$21.96M · loan HK$21.96M · min. income ≈ HK$234,890/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,866,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,190
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$123,929
−HK$3,798/mo
Today · 4.125%
HK$127,727
baseline
▲ 0.50% · 4.625%
HK$135,499
+HK$7,772/mo
Deposit HK$17.57M · loan HK$26.35M · min. income ≈ HK$255,454/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,866,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,710
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,296
−HK$3,638/mo
Today · 4.125%
HK$140,934
baseline
▲ 0.50% · 4.625%
HK$148,363
+HK$7,429/mo
Deposit HK$17.57M · loan HK$26.35M · min. income ≈ HK$281,868/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,866,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,222
−HK$8,793/mo
▼ 0.25% · 3.875%
HK$144,583
−HK$4,432/mo
Today · 4.125%
HK$149,015
baseline
▲ 0.50% · 4.625%
HK$158,082
+HK$9,067/mo
Deposit HK$13.18M · loan HK$30.75M · min. income ≈ HK$298,030/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,866,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,995
−HK$8,428/mo
▼ 0.25% · 3.875%
HK$160,179
−HK$4,244/mo
Today · 4.125%
HK$164,423
baseline
▲ 0.50% · 4.625%
HK$173,090
+HK$8,667/mo
Deposit HK$13.18M · loan HK$30.75M · min. income ≈ HK$328,846/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,866,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,285
−HK$11,306/mo
▼ 0.25% · 3.875%
HK$185,893
−HK$5,698/mo
Today · 4.125%
HK$191,591
baseline
▲ 0.50% · 4.625%
HK$203,248
+HK$11,657/mo
Deposit HK$4.39M · loan HK$39.53M · min. income ≈ HK$383,182/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,866,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,565
−HK$10,836/mo
▼ 0.25% · 3.875%
HK$205,944
−HK$5,457/mo
Today · 4.125%
HK$211,401
baseline
▲ 0.50% · 4.625%
HK$222,545
+HK$11,144/mo
Deposit HK$4.39M · loan HK$39.53M · min. income ≈ HK$422,802/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,866,779 · Scale 2, in force from 26 Feb 2026)