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$100,644
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,774
−HK$3,181/mo
Today · 4.125%
HK$106,955
baseline
▲ 0.50% · 4.625%
HK$113,463
+HK$6,508/mo
Deposit HK$22.07M · loan HK$22.07M · min. income ≈ HK$213,910/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$1,875,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,965
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,968
−HK$3,046/mo
Today · 4.125%
HK$118,014
baseline
▲ 0.50% · 4.625%
HK$124,235
+HK$6,221/mo
Deposit HK$22.07M · loan HK$22.07M · min. income ≈ HK$236,028/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$1,875,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,772
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$124,529
−HK$3,817/mo
Today · 4.125%
HK$128,346
baseline
▲ 0.50% · 4.625%
HK$136,155
+HK$7,809/mo
Deposit HK$17.65M · loan HK$26.48M · min. income ≈ HK$256,692/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,358
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,961
−HK$3,656/mo
Today · 4.125%
HK$141,617
baseline
▲ 0.50% · 4.625%
HK$149,082
+HK$7,465/mo
Deposit HK$17.65M · loan HK$26.48M · min. income ≈ HK$283,234/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,901
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$145,284
−HK$4,453/mo
Today · 4.125%
HK$149,737
baseline
▲ 0.50% · 4.625%
HK$158,848
+HK$9,111/mo
Deposit HK$13.24M · loan HK$30.90M · min. income ≈ HK$299,474/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,875,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,751
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$160,955
−HK$4,265/mo
Today · 4.125%
HK$165,220
baseline
▲ 0.50% · 4.625%
HK$173,929
+HK$8,709/mo
Deposit HK$13.24M · loan HK$30.90M · min. income ≈ HK$330,440/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,875,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,159
−HK$11,360/mo
▼ 0.25% · 3.875%
HK$186,794
−HK$5,725/mo
Today · 4.125%
HK$192,519
baseline
▲ 0.50% · 4.625%
HK$204,233
+HK$11,714/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$385,038/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,537
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$206,942
−HK$5,483/mo
Today · 4.125%
HK$212,425
baseline
▲ 0.50% · 4.625%
HK$223,623
+HK$11,198/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$424,850/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,822 · Scale 2, in force from 26 Feb 2026)