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$99,539
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,635
−HK$3,146/mo
Today · 4.125%
HK$105,781
baseline
▲ 0.50% · 4.625%
HK$112,218
+HK$6,437/mo
Deposit HK$21.83M · loan HK$21.83M · min. income ≈ HK$211,562/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$1,855,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,736
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,706
−HK$3,013/mo
Today · 4.125%
HK$116,719
baseline
▲ 0.50% · 4.625%
HK$122,871
+HK$6,152/mo
Deposit HK$21.83M · loan HK$21.83M · min. income ≈ HK$233,438/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$1,855,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,447
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,162
−HK$3,775/mo
Today · 4.125%
HK$126,937
baseline
▲ 0.50% · 4.625%
HK$134,661
+HK$7,724/mo
Deposit HK$17.46M · loan HK$26.19M · min. income ≈ HK$253,874/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,855,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,884
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,447
−HK$3,616/mo
Today · 4.125%
HK$140,063
baseline
▲ 0.50% · 4.625%
HK$147,446
+HK$7,383/mo
Deposit HK$17.46M · loan HK$26.19M · min. income ≈ HK$280,126/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,855,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,355
−HK$8,739/mo
▼ 0.25% · 3.875%
HK$143,690
−HK$4,404/mo
Today · 4.125%
HK$148,094
baseline
▲ 0.50% · 4.625%
HK$157,105
+HK$9,011/mo
Deposit HK$13.10M · loan HK$30.56M · min. income ≈ HK$296,188/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,855,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,031
−HK$8,376/mo
▼ 0.25% · 3.875%
HK$159,189
−HK$4,218/mo
Today · 4.125%
HK$163,407
baseline
▲ 0.50% · 4.625%
HK$172,020
+HK$8,613/mo
Deposit HK$13.10M · loan HK$30.56M · min. income ≈ HK$326,814/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,855,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,170
−HK$11,236/mo
▼ 0.25% · 3.875%
HK$184,744
−HK$5,662/mo
Today · 4.125%
HK$190,406
baseline
▲ 0.50% · 4.625%
HK$201,992
+HK$11,586/mo
Deposit HK$4.37M · loan HK$39.29M · min. income ≈ HK$380,812/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,855,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,325
−HK$10,769/mo
▼ 0.25% · 3.875%
HK$204,671
−HK$5,423/mo
Today · 4.125%
HK$210,094
baseline
▲ 0.50% · 4.625%
HK$221,169
+HK$11,075/mo
Deposit HK$4.37M · loan HK$39.29M · min. income ≈ HK$420,188/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,855,237 · Scale 2, in force from 26 Feb 2026)