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$100,926
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,065
−HK$3,190/mo
Today · 4.125%
HK$107,255
baseline
▲ 0.50% · 4.625%
HK$113,781
+HK$6,526/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,510/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,279
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,290
−HK$3,055/mo
Today · 4.125%
HK$118,345
baseline
▲ 0.50% · 4.625%
HK$124,583
+HK$6,238/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,690/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,111
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$124,878
−HK$3,828/mo
Today · 4.125%
HK$128,706
baseline
▲ 0.50% · 4.625%
HK$136,537
+HK$7,831/mo
Deposit HK$17.70M · loan HK$26.56M · min. income ≈ HK$257,412/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,735
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,348
−HK$3,666/mo
Today · 4.125%
HK$142,014
baseline
▲ 0.50% · 4.625%
HK$149,500
+HK$7,486/mo
Deposit HK$17.70M · loan HK$26.56M · min. income ≈ HK$284,028/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,296
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$145,691
−HK$4,466/mo
Today · 4.125%
HK$150,157
baseline
▲ 0.50% · 4.625%
HK$159,294
+HK$9,137/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$300,314/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,191
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$161,407
−HK$4,276/mo
Today · 4.125%
HK$165,683
baseline
▲ 0.50% · 4.625%
HK$174,417
+HK$8,734/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$331,366/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,667
−HK$11,392/mo
▼ 0.25% · 3.875%
HK$187,318
−HK$5,741/mo
Today · 4.125%
HK$193,059
baseline
▲ 0.50% · 4.625%
HK$204,806
+HK$11,747/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$386,118/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,102
−HK$10,919/mo
▼ 0.25% · 3.875%
HK$207,523
−HK$5,498/mo
Today · 4.125%
HK$213,021
baseline
▲ 0.50% · 4.625%
HK$224,250
+HK$11,229/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$426,042/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,085 · Scale 2, in force from 26 Feb 2026)