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$100,498
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,624
−HK$3,176/mo
Today · 4.125%
HK$106,800
baseline
▲ 0.50% · 4.625%
HK$113,299
+HK$6,499/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$213,600/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,803
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,802
−HK$3,042/mo
Today · 4.125%
HK$117,844
baseline
▲ 0.50% · 4.625%
HK$124,056
+HK$6,212/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$235,688/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,598
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$124,349
−HK$3,812/mo
Today · 4.125%
HK$128,161
baseline
▲ 0.50% · 4.625%
HK$135,959
+HK$7,798/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$256,322/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,873,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,164
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$137,762
−HK$3,651/mo
Today · 4.125%
HK$141,413
baseline
▲ 0.50% · 4.625%
HK$148,867
+HK$7,454/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$282,826/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,873,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,698
−HK$8,823/mo
▼ 0.25% · 3.875%
HK$145,074
−HK$4,447/mo
Today · 4.125%
HK$149,521
baseline
▲ 0.50% · 4.625%
HK$158,619
+HK$9,098/mo
Deposit HK$13.22M · loan HK$30.85M · min. income ≈ HK$299,042/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,525
−HK$8,456/mo
▼ 0.25% · 3.875%
HK$160,723
−HK$4,258/mo
Today · 4.125%
HK$164,981
baseline
▲ 0.50% · 4.625%
HK$173,678
+HK$8,697/mo
Deposit HK$13.22M · loan HK$30.85M · min. income ≈ HK$329,962/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,897
−HK$11,344/mo
▼ 0.25% · 3.875%
HK$186,524
−HK$5,717/mo
Today · 4.125%
HK$192,241
baseline
▲ 0.50% · 4.625%
HK$203,938
+HK$11,697/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$384,482/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,246
−HK$10,873/mo
▼ 0.25% · 3.875%
HK$206,643
−HK$5,476/mo
Today · 4.125%
HK$212,119
baseline
▲ 0.50% · 4.625%
HK$223,300
+HK$11,181/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$424,238/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,115 · Scale 2, in force from 26 Feb 2026)