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$100,513
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,640
−HK$3,176/mo
Today · 4.125%
HK$106,816
baseline
▲ 0.50% · 4.625%
HK$113,316
+HK$6,500/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$213,632/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,820
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,819
−HK$3,042/mo
Today · 4.125%
HK$117,861
baseline
▲ 0.50% · 4.625%
HK$124,074
+HK$6,213/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$235,722/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,616
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$124,367
−HK$3,812/mo
Today · 4.125%
HK$128,179
baseline
▲ 0.50% · 4.625%
HK$135,979
+HK$7,800/mo
Deposit HK$17.63M · loan HK$26.45M · min. income ≈ HK$256,358/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,873,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,184
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$137,782
−HK$3,651/mo
Today · 4.125%
HK$141,433
baseline
▲ 0.50% · 4.625%
HK$148,888
+HK$7,455/mo
Deposit HK$17.63M · loan HK$26.45M · min. income ≈ HK$282,866/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,873,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,718
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$145,095
−HK$4,448/mo
Today · 4.125%
HK$149,543
baseline
▲ 0.50% · 4.625%
HK$158,642
+HK$9,099/mo
Deposit HK$13.22M · loan HK$30.86M · min. income ≈ HK$299,086/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,548
−HK$8,457/mo
▼ 0.25% · 3.875%
HK$160,746
−HK$4,259/mo
Today · 4.125%
HK$165,005
baseline
▲ 0.50% · 4.625%
HK$173,703
+HK$8,698/mo
Deposit HK$13.22M · loan HK$30.86M · min. income ≈ HK$330,010/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,923
−HK$11,346/mo
▼ 0.25% · 3.875%
HK$186,551
−HK$5,718/mo
Today · 4.125%
HK$192,269
baseline
▲ 0.50% · 4.625%
HK$203,968
+HK$11,699/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$384,538/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,276
−HK$10,874/mo
▼ 0.25% · 3.875%
HK$206,674
−HK$5,476/mo
Today · 4.125%
HK$212,150
baseline
▲ 0.50% · 4.625%
HK$223,333
+HK$11,183/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$424,300/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,388 · Scale 2, in force from 26 Feb 2026)