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$100,999
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,141
−HK$3,192/mo
Today · 4.125%
HK$107,333
baseline
▲ 0.50% · 4.625%
HK$113,864
+HK$6,531/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$214,666/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,361
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,374
−HK$3,057/mo
Today · 4.125%
HK$118,431
baseline
▲ 0.50% · 4.625%
HK$124,674
+HK$6,243/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$236,862/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,199
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$124,969
−HK$3,831/mo
Today · 4.125%
HK$128,800
baseline
▲ 0.50% · 4.625%
HK$136,637
+HK$7,837/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$257,600/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,833
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$138,449
−HK$3,669/mo
Today · 4.125%
HK$142,118
baseline
▲ 0.50% · 4.625%
HK$149,609
+HK$7,491/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$284,236/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,399
−HK$8,867/mo
▼ 0.25% · 3.875%
HK$145,797
−HK$4,469/mo
Today · 4.125%
HK$150,266
baseline
▲ 0.50% · 4.625%
HK$159,409
+HK$9,143/mo
Deposit HK$13.29M · loan HK$31.01M · min. income ≈ HK$300,532/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,305
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$161,524
−HK$4,280/mo
Today · 4.125%
HK$165,804
baseline
▲ 0.50% · 4.625%
HK$174,544
+HK$8,740/mo
Deposit HK$13.29M · loan HK$31.01M · min. income ≈ HK$331,608/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,799
−HK$11,400/mo
▼ 0.25% · 3.875%
HK$187,454
−HK$5,745/mo
Today · 4.125%
HK$193,199
baseline
▲ 0.50% · 4.625%
HK$204,955
+HK$11,756/mo
Deposit HK$4.43M · loan HK$39.86M · min. income ≈ HK$386,398/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,249
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$207,674
−HK$5,502/mo
Today · 4.125%
HK$213,176
baseline
▲ 0.50% · 4.625%
HK$224,413
+HK$11,237/mo
Deposit HK$4.43M · loan HK$39.86M · min. income ≈ HK$426,352/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,453 · Scale 2, in force from 26 Feb 2026)