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$99,731
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,833
−HK$3,152/mo
Today · 4.125%
HK$105,985
baseline
▲ 0.50% · 4.625%
HK$112,433
+HK$6,448/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$211,970/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,858,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,949
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,925
−HK$3,019/mo
Today · 4.125%
HK$116,944
baseline
▲ 0.50% · 4.625%
HK$123,108
+HK$6,164/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$233,888/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,858,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,677
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$123,399
−HK$3,782/mo
Today · 4.125%
HK$127,181
baseline
▲ 0.50% · 4.625%
HK$134,920
+HK$7,739/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$254,362/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,139
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$136,710
−HK$3,622/mo
Today · 4.125%
HK$140,332
baseline
▲ 0.50% · 4.625%
HK$147,729
+HK$7,397/mo
Deposit HK$17.49M · loan HK$26.24M · min. income ≈ HK$280,664/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,858,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,623
−HK$8,755/mo
▼ 0.25% · 3.875%
HK$143,966
−HK$4,412/mo
Today · 4.125%
HK$148,378
baseline
▲ 0.50% · 4.625%
HK$157,407
+HK$9,029/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$296,756/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,329
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$159,495
−HK$4,226/mo
Today · 4.125%
HK$163,721
baseline
▲ 0.50% · 4.625%
HK$172,351
+HK$8,630/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$327,442/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,858,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,515
−HK$11,257/mo
▼ 0.25% · 3.875%
HK$185,099
−HK$5,673/mo
Today · 4.125%
HK$190,772
baseline
▲ 0.50% · 4.625%
HK$202,380
+HK$11,608/mo
Deposit HK$4.37M · loan HK$39.36M · min. income ≈ HK$381,544/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,709
−HK$10,789/mo
▼ 0.25% · 3.875%
HK$205,065
−HK$5,433/mo
Today · 4.125%
HK$210,498
baseline
▲ 0.50% · 4.625%
HK$221,594
+HK$11,096/mo
Deposit HK$4.37M · loan HK$39.36M · min. income ≈ HK$420,996/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,858,804 · Scale 2, in force from 26 Feb 2026)