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$101,045
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,188
−HK$3,194/mo
Today · 4.125%
HK$107,382
baseline
▲ 0.50% · 4.625%
HK$113,916
+HK$6,534/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$214,764/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,412
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,427
−HK$3,058/mo
Today · 4.125%
HK$118,485
baseline
▲ 0.50% · 4.625%
HK$124,731
+HK$6,246/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$236,970/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,254
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,026
−HK$3,832/mo
Today · 4.125%
HK$128,858
baseline
▲ 0.50% · 4.625%
HK$136,699
+HK$7,841/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$257,716/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,894
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,512
−HK$3,670/mo
Today · 4.125%
HK$142,182
baseline
▲ 0.50% · 4.625%
HK$149,677
+HK$7,495/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$284,364/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,463
−HK$8,871/mo
▼ 0.25% · 3.875%
HK$145,864
−HK$4,470/mo
Today · 4.125%
HK$150,334
baseline
▲ 0.50% · 4.625%
HK$159,482
+HK$9,148/mo
Deposit HK$13.29M · loan HK$31.02M · min. income ≈ HK$300,668/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,377
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$161,597
−HK$4,282/mo
Today · 4.125%
HK$165,879
baseline
▲ 0.50% · 4.625%
HK$174,623
+HK$8,744/mo
Deposit HK$13.29M · loan HK$31.02M · min. income ≈ HK$331,758/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,881
−HK$11,406/mo
▼ 0.25% · 3.875%
HK$187,539
−HK$5,748/mo
Today · 4.125%
HK$193,287
baseline
▲ 0.50% · 4.625%
HK$205,048
+HK$11,761/mo
Deposit HK$4.43M · loan HK$39.88M · min. income ≈ HK$386,574/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,883,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,341
−HK$10,932/mo
▼ 0.25% · 3.875%
HK$207,768
−HK$5,505/mo
Today · 4.125%
HK$213,273
baseline
▲ 0.50% · 4.625%
HK$224,515
+HK$11,242/mo
Deposit HK$4.43M · loan HK$39.88M · min. income ≈ HK$426,546/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,883,307 · Scale 2, in force from 26 Feb 2026)