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$100,017
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,128
−HK$3,161/mo
Today · 4.125%
HK$106,289
baseline
▲ 0.50% · 4.625%
HK$112,757
+HK$6,468/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$212,578/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,268
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$114,252
−HK$3,028/mo
Today · 4.125%
HK$117,280
baseline
▲ 0.50% · 4.625%
HK$123,462
+HK$6,182/mo
Deposit HK$21.93M · loan HK$21.93M · min. income ≈ HK$234,560/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$1,864,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,021
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,754
−HK$3,793/mo
Today · 4.125%
HK$127,547
baseline
▲ 0.50% · 4.625%
HK$135,308
+HK$7,761/mo
Deposit HK$17.54M · loan HK$26.32M · min. income ≈ HK$255,094/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,522
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,103
−HK$3,632/mo
Today · 4.125%
HK$140,735
baseline
▲ 0.50% · 4.625%
HK$148,154
+HK$7,419/mo
Deposit HK$17.54M · loan HK$26.32M · min. income ≈ HK$281,470/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,864,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,024
−HK$8,781/mo
▼ 0.25% · 3.875%
HK$144,380
−HK$4,425/mo
Today · 4.125%
HK$148,805
baseline
▲ 0.50% · 4.625%
HK$157,859
+HK$9,054/mo
Deposit HK$13.16M · loan HK$30.70M · min. income ≈ HK$297,610/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,864,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,775
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$159,953
−HK$4,238/mo
Today · 4.125%
HK$164,191
baseline
▲ 0.50% · 4.625%
HK$172,846
+HK$8,655/mo
Deposit HK$13.16M · loan HK$30.70M · min. income ≈ HK$328,382/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,864,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,031
−HK$11,289/mo
▼ 0.25% · 3.875%
HK$185,631
−HK$5,689/mo
Today · 4.125%
HK$191,320
baseline
▲ 0.50% · 4.625%
HK$202,962
+HK$11,642/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$382,640/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,283
−HK$10,820/mo
▼ 0.25% · 3.875%
HK$205,654
−HK$5,449/mo
Today · 4.125%
HK$211,103
baseline
▲ 0.50% · 4.625%
HK$222,231
+HK$11,128/mo
Deposit HK$4.39M · loan HK$39.48M · min. income ≈ HK$422,206/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$1,864,146 · Scale 2, in force from 26 Feb 2026)