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$100,934
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,074
−HK$3,190/mo
Today · 4.125%
HK$107,264
baseline
▲ 0.50% · 4.625%
HK$113,791
+HK$6,527/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,528/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,288
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,300
−HK$3,055/mo
Today · 4.125%
HK$118,355
baseline
▲ 0.50% · 4.625%
HK$124,594
+HK$6,239/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,710/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,121
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$124,889
−HK$3,828/mo
Today · 4.125%
HK$128,717
baseline
▲ 0.50% · 4.625%
HK$136,549
+HK$7,832/mo
Deposit HK$17.71M · loan HK$26.56M · min. income ≈ HK$257,434/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,746
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$138,360
−HK$3,666/mo
Today · 4.125%
HK$142,026
baseline
▲ 0.50% · 4.625%
HK$149,512
+HK$7,486/mo
Deposit HK$17.71M · loan HK$26.56M · min. income ≈ HK$284,052/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,308
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$145,704
−HK$4,465/mo
Today · 4.125%
HK$150,169
baseline
▲ 0.50% · 4.625%
HK$159,307
+HK$9,138/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$300,338/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,204
−HK$8,493/mo
▼ 0.25% · 3.875%
HK$161,420
−HK$4,277/mo
Today · 4.125%
HK$165,697
baseline
▲ 0.50% · 4.625%
HK$174,431
+HK$8,734/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$331,394/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,682
−HK$11,393/mo
▼ 0.25% · 3.875%
HK$187,333
−HK$5,742/mo
Today · 4.125%
HK$193,075
baseline
▲ 0.50% · 4.625%
HK$204,823
+HK$11,748/mo
Deposit HK$4.43M · loan HK$39.84M · min. income ≈ HK$386,150/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,119
−HK$10,920/mo
▼ 0.25% · 3.875%
HK$207,540
−HK$5,499/mo
Today · 4.125%
HK$213,039
baseline
▲ 0.50% · 4.625%
HK$224,269
+HK$11,230/mo
Deposit HK$4.43M · loan HK$39.84M · min. income ≈ HK$426,078/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,241 · Scale 2, in force from 26 Feb 2026)