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$100,648
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,779
−HK$3,180/mo
Today · 4.125%
HK$106,959
baseline
▲ 0.50% · 4.625%
HK$113,468
+HK$6,509/mo
Deposit HK$22.07M · loan HK$22.07M · min. income ≈ HK$213,918/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,875,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,970
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,973
−HK$3,046/mo
Today · 4.125%
HK$118,019
baseline
▲ 0.50% · 4.625%
HK$124,240
+HK$6,221/mo
Deposit HK$22.07M · loan HK$22.07M · min. income ≈ HK$236,038/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,875,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,777
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$124,534
−HK$3,817/mo
Today · 4.125%
HK$128,351
baseline
▲ 0.50% · 4.625%
HK$136,161
+HK$7,810/mo
Deposit HK$17.66M · loan HK$26.48M · min. income ≈ HK$256,702/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,364
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,967
−HK$3,656/mo
Today · 4.125%
HK$141,623
baseline
▲ 0.50% · 4.625%
HK$149,088
+HK$7,465/mo
Deposit HK$17.66M · loan HK$26.48M · min. income ≈ HK$283,246/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,907
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$145,290
−HK$4,453/mo
Today · 4.125%
HK$149,743
baseline
▲ 0.50% · 4.625%
HK$158,855
+HK$9,112/mo
Deposit HK$13.24M · loan HK$30.90M · min. income ≈ HK$299,486/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,875,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,758
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$160,962
−HK$4,265/mo
Today · 4.125%
HK$165,227
baseline
▲ 0.50% · 4.625%
HK$173,936
+HK$8,709/mo
Deposit HK$13.24M · loan HK$30.90M · min. income ≈ HK$330,454/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,875,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,166
−HK$11,361/mo
▼ 0.25% · 3.875%
HK$186,801
−HK$5,726/mo
Today · 4.125%
HK$192,527
baseline
▲ 0.50% · 4.625%
HK$204,242
+HK$11,715/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$385,054/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,546
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$206,951
−HK$5,483/mo
Today · 4.125%
HK$212,434
baseline
▲ 0.50% · 4.625%
HK$223,632
+HK$11,198/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$424,868/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,901 · Scale 2, in force from 26 Feb 2026)