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$100,976
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,117
−HK$3,192/mo
Today · 4.125%
HK$107,309
baseline
▲ 0.50% · 4.625%
HK$113,838
+HK$6,529/mo
Deposit HK$22.14M · loan HK$22.14M · min. income ≈ HK$214,618/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,882,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,335
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,348
−HK$3,056/mo
Today · 4.125%
HK$118,404
baseline
▲ 0.50% · 4.625%
HK$124,646
+HK$6,242/mo
Deposit HK$22.14M · loan HK$22.14M · min. income ≈ HK$236,808/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,882,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,172
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$124,941
−HK$3,829/mo
Today · 4.125%
HK$128,770
baseline
▲ 0.50% · 4.625%
HK$136,606
+HK$7,836/mo
Deposit HK$17.71M · loan HK$26.57M · min. income ≈ HK$257,540/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,802
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$138,418
−HK$3,667/mo
Today · 4.125%
HK$142,085
baseline
▲ 0.50% · 4.625%
HK$149,575
+HK$7,490/mo
Deposit HK$17.71M · loan HK$26.57M · min. income ≈ HK$284,170/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,367
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$145,764
−HK$4,468/mo
Today · 4.125%
HK$150,232
baseline
▲ 0.50% · 4.625%
HK$159,373
+HK$9,141/mo
Deposit HK$13.28M · loan HK$31.00M · min. income ≈ HK$300,464/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,269
−HK$8,497/mo
▼ 0.25% · 3.875%
HK$161,487
−HK$4,279/mo
Today · 4.125%
HK$165,766
baseline
▲ 0.50% · 4.625%
HK$174,504
+HK$8,738/mo
Deposit HK$13.28M · loan HK$31.00M · min. income ≈ HK$331,532/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,758
−HK$11,397/mo
▼ 0.25% · 3.875%
HK$187,411
−HK$5,744/mo
Today · 4.125%
HK$193,155
baseline
▲ 0.50% · 4.625%
HK$204,908
+HK$11,753/mo
Deposit HK$4.43M · loan HK$39.85M · min. income ≈ HK$386,310/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,203
−HK$10,925/mo
▼ 0.25% · 3.875%
HK$207,626
−HK$5,502/mo
Today · 4.125%
HK$213,128
baseline
▲ 0.50% · 4.625%
HK$224,362
+HK$11,234/mo
Deposit HK$4.43M · loan HK$39.85M · min. income ≈ HK$426,256/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,025 · Scale 2, in force from 26 Feb 2026)