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$100,584
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,713
−HK$3,179/mo
Today · 4.125%
HK$106,892
baseline
▲ 0.50% · 4.625%
HK$113,396
+HK$6,504/mo
Deposit HK$22.06M · loan HK$22.06M · min. income ≈ HK$213,784/mo (50% DSR)
Upfront cash ≈ HK$23.93M (deposit + AVD stamp duty HK$1,874,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,899
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,900
−HK$3,044/mo
Today · 4.125%
HK$117,944
baseline
▲ 0.50% · 4.625%
HK$124,161
+HK$6,217/mo
Deposit HK$22.06M · loan HK$22.06M · min. income ≈ HK$235,888/mo (50% DSR)
Upfront cash ≈ HK$23.93M (deposit + AVD stamp duty HK$1,874,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,701
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,456
−HK$3,814/mo
Today · 4.125%
HK$128,270
baseline
▲ 0.50% · 4.625%
HK$136,075
+HK$7,805/mo
Deposit HK$17.64M · loan HK$26.47M · min. income ≈ HK$256,540/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,874,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,279
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$137,880
−HK$3,653/mo
Today · 4.125%
HK$141,533
baseline
▲ 0.50% · 4.625%
HK$148,994
+HK$7,461/mo
Deposit HK$17.64M · loan HK$26.47M · min. income ≈ HK$283,066/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,874,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,818
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$145,198
−HK$4,450/mo
Today · 4.125%
HK$149,648
baseline
▲ 0.50% · 4.625%
HK$158,754
+HK$9,106/mo
Deposit HK$13.23M · loan HK$30.88M · min. income ≈ HK$299,296/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,874,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,658
−HK$8,464/mo
▼ 0.25% · 3.875%
HK$160,860
−HK$4,262/mo
Today · 4.125%
HK$165,122
baseline
▲ 0.50% · 4.625%
HK$173,826
+HK$8,704/mo
Deposit HK$13.23M · loan HK$30.88M · min. income ≈ HK$330,244/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,874,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,052
−HK$11,353/mo
▼ 0.25% · 3.875%
HK$186,683
−HK$5,722/mo
Today · 4.125%
HK$192,405
baseline
▲ 0.50% · 4.625%
HK$204,112
+HK$11,707/mo
Deposit HK$4.41M · loan HK$39.70M · min. income ≈ HK$384,810/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,874,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,418
−HK$10,882/mo
▼ 0.25% · 3.875%
HK$206,820
−HK$5,480/mo
Today · 4.125%
HK$212,300
baseline
▲ 0.50% · 4.625%
HK$223,491
+HK$11,191/mo
Deposit HK$4.41M · loan HK$39.70M · min. income ≈ HK$424,600/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,874,714 · Scale 2, in force from 26 Feb 2026)