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$100,676
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,808
−HK$3,182/mo
Today · 4.125%
HK$106,990
baseline
▲ 0.50% · 4.625%
HK$113,500
+HK$6,510/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$213,980/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,876,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,001
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,005
−HK$3,048/mo
Today · 4.125%
HK$118,053
baseline
▲ 0.50% · 4.625%
HK$124,275
+HK$6,222/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$236,106/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,876,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,812
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$124,570
−HK$3,818/mo
Today · 4.125%
HK$128,388
baseline
▲ 0.50% · 4.625%
HK$136,200
+HK$7,812/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$256,776/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,402
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$138,006
−HK$3,657/mo
Today · 4.125%
HK$141,663
baseline
▲ 0.50% · 4.625%
HK$149,130
+HK$7,467/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$283,326/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,947
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$145,331
−HK$4,455/mo
Today · 4.125%
HK$149,786
baseline
▲ 0.50% · 4.625%
HK$158,900
+HK$9,114/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$299,572/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,802
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$161,007
−HK$4,267/mo
Today · 4.125%
HK$165,274
baseline
▲ 0.50% · 4.625%
HK$173,985
+HK$8,711/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$330,548/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,218
−HK$11,363/mo
▼ 0.25% · 3.875%
HK$186,854
−HK$5,727/mo
Today · 4.125%
HK$192,581
baseline
▲ 0.50% · 4.625%
HK$204,300
+HK$11,719/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$385,162/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,603
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$207,010
−HK$5,485/mo
Today · 4.125%
HK$212,495
baseline
▲ 0.50% · 4.625%
HK$223,695
+HK$11,200/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$424,990/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,433 · Scale 2, in force from 26 Feb 2026)