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$101,103
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,247
−HK$3,196/mo
Today · 4.125%
HK$107,443
baseline
▲ 0.50% · 4.625%
HK$113,980
+HK$6,537/mo
Deposit HK$22.17M · loan HK$22.17M · min. income ≈ HK$214,886/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$1,884,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,476
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,492
−HK$3,060/mo
Today · 4.125%
HK$118,552
baseline
▲ 0.50% · 4.625%
HK$124,801
+HK$6,249/mo
Deposit HK$22.17M · loan HK$22.17M · min. income ≈ HK$237,104/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$1,884,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,323
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$125,097
−HK$3,834/mo
Today · 4.125%
HK$128,931
baseline
▲ 0.50% · 4.625%
HK$136,776
+HK$7,845/mo
Deposit HK$17.74M · loan HK$26.60M · min. income ≈ HK$257,862/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,884,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,971
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$138,591
−HK$3,672/mo
Today · 4.125%
HK$142,263
baseline
▲ 0.50% · 4.625%
HK$149,762
+HK$7,499/mo
Deposit HK$17.74M · loan HK$26.60M · min. income ≈ HK$284,526/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,884,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,544
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$145,946
−HK$4,474/mo
Today · 4.125%
HK$150,420
baseline
▲ 0.50% · 4.625%
HK$159,572
+HK$9,152/mo
Deposit HK$13.30M · loan HK$31.04M · min. income ≈ HK$300,840/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,884,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,466
−HK$8,507/mo
▼ 0.25% · 3.875%
HK$161,689
−HK$4,284/mo
Today · 4.125%
HK$165,973
baseline
▲ 0.50% · 4.625%
HK$174,722
+HK$8,749/mo
Deposit HK$13.30M · loan HK$31.04M · min. income ≈ HK$331,946/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,884,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,985
−HK$11,412/mo
▼ 0.25% · 3.875%
HK$187,645
−HK$5,752/mo
Today · 4.125%
HK$193,397
baseline
▲ 0.50% · 4.625%
HK$205,164
+HK$11,767/mo
Deposit HK$4.43M · loan HK$39.90M · min. income ≈ HK$386,794/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,884,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,456
−HK$10,938/mo
▼ 0.25% · 3.875%
HK$207,886
−HK$5,508/mo
Today · 4.125%
HK$213,394
baseline
▲ 0.50% · 4.625%
HK$224,642
+HK$11,248/mo
Deposit HK$4.43M · loan HK$39.90M · min. income ≈ HK$426,788/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,884,376 · Scale 2, in force from 26 Feb 2026)