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$100,429
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,553
−HK$3,173/mo
Today · 4.125%
HK$106,726
baseline
▲ 0.50% · 4.625%
HK$113,220
+HK$6,494/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$213,452/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,726
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,722
−HK$3,040/mo
Today · 4.125%
HK$117,762
baseline
▲ 0.50% · 4.625%
HK$123,969
+HK$6,207/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$235,524/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,514
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,263
−HK$3,809/mo
Today · 4.125%
HK$128,072
baseline
▲ 0.50% · 4.625%
HK$135,864
+HK$7,792/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$256,144/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,871,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,071
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,667
−HK$3,647/mo
Today · 4.125%
HK$141,314
baseline
▲ 0.50% · 4.625%
HK$148,763
+HK$7,449/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$282,628/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,871,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,600
−HK$8,817/mo
▼ 0.25% · 3.875%
HK$144,974
−HK$4,443/mo
Today · 4.125%
HK$149,417
baseline
▲ 0.50% · 4.625%
HK$158,509
+HK$9,092/mo
Deposit HK$13.21M · loan HK$30.83M · min. income ≈ HK$298,834/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,416
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$160,611
−HK$4,256/mo
Today · 4.125%
HK$164,867
baseline
▲ 0.50% · 4.625%
HK$173,557
+HK$8,690/mo
Deposit HK$13.21M · loan HK$30.83M · min. income ≈ HK$329,734/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,772
−HK$11,335/mo
▼ 0.25% · 3.875%
HK$186,395
−HK$5,712/mo
Today · 4.125%
HK$192,107
baseline
▲ 0.50% · 4.625%
HK$203,797
+HK$11,690/mo
Deposit HK$4.40M · loan HK$39.64M · min. income ≈ HK$384,214/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,871,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,106
−HK$10,866/mo
▼ 0.25% · 3.875%
HK$206,500
−HK$5,472/mo
Today · 4.125%
HK$211,972
baseline
▲ 0.50% · 4.625%
HK$223,145
+HK$11,173/mo
Deposit HK$4.40M · loan HK$39.64M · min. income ≈ HK$423,944/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,871,814 · Scale 2, in force from 26 Feb 2026)