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$100,737
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,870
−HK$3,184/mo
Today · 4.125%
HK$107,054
baseline
▲ 0.50% · 4.625%
HK$113,568
+HK$6,514/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$214,108/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,877,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,069
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,074
−HK$3,050/mo
Today · 4.125%
HK$118,124
baseline
▲ 0.50% · 4.625%
HK$124,350
+HK$6,226/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$236,248/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,877,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,884
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,644
−HK$3,821/mo
Today · 4.125%
HK$128,465
baseline
▲ 0.50% · 4.625%
HK$136,282
+HK$7,817/mo
Deposit HK$17.67M · loan HK$26.51M · min. income ≈ HK$256,930/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,483
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$138,089
−HK$3,659/mo
Today · 4.125%
HK$141,748
baseline
▲ 0.50% · 4.625%
HK$149,220
+HK$7,472/mo
Deposit HK$17.67M · loan HK$26.51M · min. income ≈ HK$283,496/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,032
−HK$8,844/mo
▼ 0.25% · 3.875%
HK$145,419
−HK$4,457/mo
Today · 4.125%
HK$149,876
baseline
▲ 0.50% · 4.625%
HK$158,995
+HK$9,119/mo
Deposit HK$13.25M · loan HK$30.92M · min. income ≈ HK$299,752/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,896
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$161,104
−HK$4,269/mo
Today · 4.125%
HK$165,373
baseline
▲ 0.50% · 4.625%
HK$174,090
+HK$8,717/mo
Deposit HK$13.25M · loan HK$30.92M · min. income ≈ HK$330,746/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,326
−HK$11,371/mo
▼ 0.25% · 3.875%
HK$186,967
−HK$5,730/mo
Today · 4.125%
HK$192,697
baseline
▲ 0.50% · 4.625%
HK$204,422
+HK$11,725/mo
Deposit HK$4.42M · loan HK$39.76M · min. income ≈ HK$385,394/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,877,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,724
−HK$10,898/mo
▼ 0.25% · 3.875%
HK$207,134
−HK$5,488/mo
Today · 4.125%
HK$212,622
baseline
▲ 0.50% · 4.625%
HK$223,830
+HK$11,208/mo
Deposit HK$4.42M · loan HK$39.76M · min. income ≈ HK$425,244/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,877,561 · Scale 2, in force from 26 Feb 2026)