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$100,446
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,570
−HK$3,175/mo
Today · 4.125%
HK$106,745
baseline
▲ 0.50% · 4.625%
HK$113,240
+HK$6,495/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$213,490/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,745
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,742
−HK$3,040/mo
Today · 4.125%
HK$117,782
baseline
▲ 0.50% · 4.625%
HK$123,991
+HK$6,209/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$235,564/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,535
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$124,284
−HK$3,810/mo
Today · 4.125%
HK$128,094
baseline
▲ 0.50% · 4.625%
HK$135,888
+HK$7,794/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$256,188/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,872,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,094
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,690
−HK$3,649/mo
Today · 4.125%
HK$141,339
baseline
▲ 0.50% · 4.625%
HK$148,789
+HK$7,450/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$282,678/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,872,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,624
−HK$8,819/mo
▼ 0.25% · 3.875%
HK$144,999
−HK$4,444/mo
Today · 4.125%
HK$149,443
baseline
▲ 0.50% · 4.625%
HK$158,536
+HK$9,093/mo
Deposit HK$13.22M · loan HK$30.84M · min. income ≈ HK$298,886/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,443
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$160,639
−HK$4,256/mo
Today · 4.125%
HK$164,895
baseline
▲ 0.50% · 4.625%
HK$173,587
+HK$8,692/mo
Deposit HK$13.22M · loan HK$30.84M · min. income ≈ HK$329,790/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,803
−HK$11,338/mo
▼ 0.25% · 3.875%
HK$186,427
−HK$5,714/mo
Today · 4.125%
HK$192,141
baseline
▲ 0.50% · 4.625%
HK$203,832
+HK$11,691/mo
Deposit HK$4.41M · loan HK$39.65M · min. income ≈ HK$384,282/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,141
−HK$10,867/mo
▼ 0.25% · 3.875%
HK$206,536
−HK$5,472/mo
Today · 4.125%
HK$212,008
baseline
▲ 0.50% · 4.625%
HK$223,183
+HK$11,175/mo
Deposit HK$4.41M · loan HK$39.65M · min. income ≈ HK$424,016/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,138 · Scale 2, in force from 26 Feb 2026)