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$99,594
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,692
−HK$3,148/mo
Today · 4.125%
HK$105,840
baseline
▲ 0.50% · 4.625%
HK$112,280
+HK$6,440/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$211,680/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,856,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,798
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,769
−HK$3,015/mo
Today · 4.125%
HK$116,784
baseline
▲ 0.50% · 4.625%
HK$122,939
+HK$6,155/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$233,568/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,856,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,513
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$123,231
−HK$3,777/mo
Today · 4.125%
HK$127,008
baseline
▲ 0.50% · 4.625%
HK$134,736
+HK$7,728/mo
Deposit HK$17.47M · loan HK$26.21M · min. income ≈ HK$254,016/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,957
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,523
−HK$3,617/mo
Today · 4.125%
HK$140,140
baseline
▲ 0.50% · 4.625%
HK$147,527
+HK$7,387/mo
Deposit HK$17.47M · loan HK$26.21M · min. income ≈ HK$280,280/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,432
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$143,769
−HK$4,406/mo
Today · 4.125%
HK$148,175
baseline
▲ 0.50% · 4.625%
HK$157,192
+HK$9,017/mo
Deposit HK$13.10M · loan HK$30.57M · min. income ≈ HK$296,350/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,117
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$159,277
−HK$4,220/mo
Today · 4.125%
HK$163,497
baseline
▲ 0.50% · 4.625%
HK$172,115
+HK$8,618/mo
Deposit HK$13.10M · loan HK$30.57M · min. income ≈ HK$326,994/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,270
−HK$11,241/mo
▼ 0.25% · 3.875%
HK$184,846
−HK$5,665/mo
Today · 4.125%
HK$190,511
baseline
▲ 0.50% · 4.625%
HK$202,104
+HK$11,593/mo
Deposit HK$4.37M · loan HK$39.31M · min. income ≈ HK$381,022/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,856,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,436
−HK$10,774/mo
▼ 0.25% · 3.875%
HK$204,784
−HK$5,426/mo
Today · 4.125%
HK$210,210
baseline
▲ 0.50% · 4.625%
HK$221,291
+HK$11,081/mo
Deposit HK$4.37M · loan HK$39.31M · min. income ≈ HK$420,420/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,856,263 · Scale 2, in force from 26 Feb 2026)