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$100,809
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,945
−HK$3,185/mo
Today · 4.125%
HK$107,130
baseline
▲ 0.50% · 4.625%
HK$113,649
+HK$6,519/mo
Deposit HK$22.10M · loan HK$22.10M · min. income ≈ HK$214,260/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,149
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,157
−HK$3,051/mo
Today · 4.125%
HK$118,208
baseline
▲ 0.50% · 4.625%
HK$124,439
+HK$6,231/mo
Deposit HK$22.10M · loan HK$22.10M · min. income ≈ HK$236,416/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,971
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$124,734
−HK$3,823/mo
Today · 4.125%
HK$128,557
baseline
▲ 0.50% · 4.625%
HK$136,379
+HK$7,822/mo
Deposit HK$17.68M · loan HK$26.53M · min. income ≈ HK$257,114/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,579
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,188
−HK$3,662/mo
Today · 4.125%
HK$141,850
baseline
▲ 0.50% · 4.625%
HK$149,327
+HK$7,477/mo
Deposit HK$17.68M · loan HK$26.53M · min. income ≈ HK$283,700/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,132
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$145,522
−HK$4,461/mo
Today · 4.125%
HK$149,983
baseline
▲ 0.50% · 4.625%
HK$159,109
+HK$9,126/mo
Deposit HK$13.26M · loan HK$30.95M · min. income ≈ HK$299,966/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,008
−HK$8,483/mo
▼ 0.25% · 3.875%
HK$161,219
−HK$4,272/mo
Today · 4.125%
HK$165,491
baseline
▲ 0.50% · 4.625%
HK$174,214
+HK$8,723/mo
Deposit HK$13.26M · loan HK$30.95M · min. income ≈ HK$330,982/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,456
−HK$11,379/mo
▼ 0.25% · 3.875%
HK$187,100
−HK$5,735/mo
Today · 4.125%
HK$192,835
baseline
▲ 0.50% · 4.625%
HK$204,568
+HK$11,733/mo
Deposit HK$4.42M · loan HK$39.79M · min. income ≈ HK$385,670/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,868
−HK$10,906/mo
▼ 0.25% · 3.875%
HK$207,282
−HK$5,492/mo
Today · 4.125%
HK$212,774
baseline
▲ 0.50% · 4.625%
HK$223,990
+HK$11,216/mo
Deposit HK$4.42M · loan HK$39.79M · min. income ≈ HK$425,548/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,902 · Scale 2, in force from 26 Feb 2026)