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$101,511
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,669
−HK$3,208/mo
Today · 4.125%
HK$107,877
baseline
▲ 0.50% · 4.625%
HK$114,441
+HK$6,564/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$215,754/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,891,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,930
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,959
−HK$3,073/mo
Today · 4.125%
HK$119,032
baseline
▲ 0.50% · 4.625%
HK$125,306
+HK$6,274/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$238,064/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,891,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,814
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$125,603
−HK$3,849/mo
Today · 4.125%
HK$129,452
baseline
▲ 0.50% · 4.625%
HK$137,329
+HK$7,877/mo
Deposit HK$17.81M · loan HK$26.71M · min. income ≈ HK$258,904/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,891,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,516
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$139,151
−HK$3,687/mo
Today · 4.125%
HK$142,838
baseline
▲ 0.50% · 4.625%
HK$150,367
+HK$7,529/mo
Deposit HK$17.81M · loan HK$26.71M · min. income ≈ HK$285,676/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,891,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,116
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$146,536
−HK$4,492/mo
Today · 4.125%
HK$151,028
baseline
▲ 0.50% · 4.625%
HK$160,217
+HK$9,189/mo
Deposit HK$13.36M · loan HK$31.16M · min. income ≈ HK$302,056/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,891,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,102
−HK$8,542/mo
▼ 0.25% · 3.875%
HK$162,343
−HK$4,301/mo
Today · 4.125%
HK$166,644
baseline
▲ 0.50% · 4.625%
HK$175,428
+HK$8,784/mo
Deposit HK$13.36M · loan HK$31.16M · min. income ≈ HK$333,288/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,891,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,720
−HK$11,458/mo
▼ 0.25% · 3.875%
HK$188,404
−HK$5,774/mo
Today · 4.125%
HK$194,178
baseline
▲ 0.50% · 4.625%
HK$205,994
+HK$11,816/mo
Deposit HK$4.45M · loan HK$40.07M · min. income ≈ HK$388,356/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,274
−HK$10,983/mo
▼ 0.25% · 3.875%
HK$208,726
−HK$5,531/mo
Today · 4.125%
HK$214,257
baseline
▲ 0.50% · 4.625%
HK$225,551
+HK$11,294/mo
Deposit HK$4.45M · loan HK$40.07M · min. income ≈ HK$428,514/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,993 · Scale 2, in force from 26 Feb 2026)