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$100,922
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,062
−HK$3,189/mo
Today · 4.125%
HK$107,251
baseline
▲ 0.50% · 4.625%
HK$113,777
+HK$6,526/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,502/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,275
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,286
−HK$3,055/mo
Today · 4.125%
HK$118,341
baseline
▲ 0.50% · 4.625%
HK$124,579
+HK$6,238/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,682/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,107
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$124,874
−HK$3,827/mo
Today · 4.125%
HK$128,701
baseline
▲ 0.50% · 4.625%
HK$136,532
+HK$7,831/mo
Deposit HK$17.70M · loan HK$26.56M · min. income ≈ HK$257,402/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,881,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,730
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,343
−HK$3,666/mo
Today · 4.125%
HK$142,009
baseline
▲ 0.50% · 4.625%
HK$149,495
+HK$7,486/mo
Deposit HK$17.70M · loan HK$26.56M · min. income ≈ HK$284,018/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,881,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,291
−HK$8,860/mo
▼ 0.25% · 3.875%
HK$145,686
−HK$4,465/mo
Today · 4.125%
HK$150,151
baseline
▲ 0.50% · 4.625%
HK$159,288
+HK$9,137/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$300,302/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,185
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$161,401
−HK$4,276/mo
Today · 4.125%
HK$165,677
baseline
▲ 0.50% · 4.625%
HK$174,410
+HK$8,733/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$331,354/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,660
−HK$11,392/mo
▼ 0.25% · 3.875%
HK$187,311
−HK$5,741/mo
Today · 4.125%
HK$193,052
baseline
▲ 0.50% · 4.625%
HK$204,799
+HK$11,747/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$386,104/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,095
−HK$10,919/mo
▼ 0.25% · 3.875%
HK$207,515
−HK$5,499/mo
Today · 4.125%
HK$213,014
baseline
▲ 0.50% · 4.625%
HK$224,242
+HK$11,228/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$426,028/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,017 · Scale 2, in force from 26 Feb 2026)