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$100,516
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,643
−HK$3,176/mo
Today · 4.125%
HK$106,819
baseline
▲ 0.50% · 4.625%
HK$113,319
+HK$6,500/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$213,638/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,823
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,822
−HK$3,043/mo
Today · 4.125%
HK$117,865
baseline
▲ 0.50% · 4.625%
HK$124,077
+HK$6,212/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$235,730/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,619
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$124,371
−HK$3,812/mo
Today · 4.125%
HK$128,183
baseline
▲ 0.50% · 4.625%
HK$135,983
+HK$7,800/mo
Deposit HK$17.63M · loan HK$26.45M · min. income ≈ HK$256,366/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,873,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,188
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$137,787
−HK$3,651/mo
Today · 4.125%
HK$141,438
baseline
▲ 0.50% · 4.625%
HK$148,893
+HK$7,455/mo
Deposit HK$17.63M · loan HK$26.45M · min. income ≈ HK$282,876/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,873,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,723
−HK$8,824/mo
▼ 0.25% · 3.875%
HK$145,100
−HK$4,447/mo
Today · 4.125%
HK$149,547
baseline
▲ 0.50% · 4.625%
HK$158,647
+HK$9,100/mo
Deposit HK$13.22M · loan HK$30.86M · min. income ≈ HK$299,094/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,552
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$160,751
−HK$4,259/mo
Today · 4.125%
HK$165,010
baseline
▲ 0.50% · 4.625%
HK$173,708
+HK$8,698/mo
Deposit HK$13.22M · loan HK$30.86M · min. income ≈ HK$330,020/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,929
−HK$11,346/mo
▼ 0.25% · 3.875%
HK$186,557
−HK$5,718/mo
Today · 4.125%
HK$192,275
baseline
▲ 0.50% · 4.625%
HK$203,974
+HK$11,699/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$384,550/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,282
−HK$10,874/mo
▼ 0.25% · 3.875%
HK$206,680
−HK$5,476/mo
Today · 4.125%
HK$212,156
baseline
▲ 0.50% · 4.625%
HK$223,339
+HK$11,183/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$424,312/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,445 · Scale 2, in force from 26 Feb 2026)