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$99,990
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,100
−HK$3,160/mo
Today · 4.125%
HK$106,260
baseline
▲ 0.50% · 4.625%
HK$112,725
+HK$6,465/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$212,520/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$1,863,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,237
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,221
−HK$3,026/mo
Today · 4.125%
HK$117,247
baseline
▲ 0.50% · 4.625%
HK$123,427
+HK$6,180/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$234,494/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$1,863,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,987
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,720
−HK$3,792/mo
Today · 4.125%
HK$127,512
baseline
▲ 0.50% · 4.625%
HK$135,270
+HK$7,758/mo
Deposit HK$17.54M · loan HK$26.31M · min. income ≈ HK$255,024/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,485
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$137,065
−HK$3,632/mo
Today · 4.125%
HK$140,697
baseline
▲ 0.50% · 4.625%
HK$148,113
+HK$7,416/mo
Deposit HK$17.54M · loan HK$26.31M · min. income ≈ HK$281,394/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,863,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,985
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$144,340
−HK$4,424/mo
Today · 4.125%
HK$148,764
baseline
▲ 0.50% · 4.625%
HK$157,816
+HK$9,052/mo
Deposit HK$13.16M · loan HK$30.70M · min. income ≈ HK$297,528/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,863,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,732
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$159,909
−HK$4,237/mo
Today · 4.125%
HK$164,146
baseline
▲ 0.50% · 4.625%
HK$172,798
+HK$8,652/mo
Deposit HK$13.16M · loan HK$30.70M · min. income ≈ HK$328,292/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,863,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,981
−HK$11,287/mo
▼ 0.25% · 3.875%
HK$185,580
−HK$5,688/mo
Today · 4.125%
HK$191,268
baseline
▲ 0.50% · 4.625%
HK$202,906
+HK$11,638/mo
Deposit HK$4.39M · loan HK$39.47M · min. income ≈ HK$382,536/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,227
−HK$10,818/mo
▼ 0.25% · 3.875%
HK$205,597
−HK$5,448/mo
Today · 4.125%
HK$211,045
baseline
▲ 0.50% · 4.625%
HK$222,169
+HK$11,124/mo
Deposit HK$4.39M · loan HK$39.47M · min. income ≈ HK$422,090/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,863,630 · Scale 2, in force from 26 Feb 2026)