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$100,864
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$104,001
−HK$3,188/mo
Today · 4.125%
HK$107,189
baseline
▲ 0.50% · 4.625%
HK$113,711
+HK$6,522/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$214,378/mo (50% DSR)
Upfront cash ≈ HK$24.00M (deposit + AVD stamp duty HK$1,879,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,210
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,219
−HK$3,053/mo
Today · 4.125%
HK$118,272
baseline
▲ 0.50% · 4.625%
HK$124,507
+HK$6,235/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$236,544/mo (50% DSR)
Upfront cash ≈ HK$24.00M (deposit + AVD stamp duty HK$1,879,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,037
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$124,802
−HK$3,825/mo
Today · 4.125%
HK$128,627
baseline
▲ 0.50% · 4.625%
HK$136,453
+HK$7,826/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$257,254/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,652
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$138,263
−HK$3,664/mo
Today · 4.125%
HK$141,927
baseline
▲ 0.50% · 4.625%
HK$149,408
+HK$7,481/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$283,854/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,209
−HK$8,855/mo
▼ 0.25% · 3.875%
HK$145,602
−HK$4,462/mo
Today · 4.125%
HK$150,064
baseline
▲ 0.50% · 4.625%
HK$159,195
+HK$9,131/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$300,128/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,094
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$161,307
−HK$4,274/mo
Today · 4.125%
HK$165,581
baseline
▲ 0.50% · 4.625%
HK$174,309
+HK$8,728/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$331,162/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,555
−HK$11,385/mo
▼ 0.25% · 3.875%
HK$187,202
−HK$5,738/mo
Today · 4.125%
HK$192,940
baseline
▲ 0.50% · 4.625%
HK$204,680
+HK$11,740/mo
Deposit HK$4.42M · loan HK$39.81M · min. income ≈ HK$385,880/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,978
−HK$10,912/mo
▼ 0.25% · 3.875%
HK$207,395
−HK$5,495/mo
Today · 4.125%
HK$212,890
baseline
▲ 0.50% · 4.625%
HK$224,112
+HK$11,222/mo
Deposit HK$4.42M · loan HK$39.81M · min. income ≈ HK$425,780/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,926 · Scale 2, in force from 26 Feb 2026)