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$101,178
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,326
−HK$3,197/mo
Today · 4.125%
HK$107,523
baseline
▲ 0.50% · 4.625%
HK$114,066
+HK$6,543/mo
Deposit HK$22.19M · loan HK$22.19M · min. income ≈ HK$215,046/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$1,885,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,560
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,579
−HK$3,062/mo
Today · 4.125%
HK$118,641
baseline
▲ 0.50% · 4.625%
HK$124,895
+HK$6,254/mo
Deposit HK$22.19M · loan HK$22.19M · min. income ≈ HK$237,282/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$1,885,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,414
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,191
−HK$3,837/mo
Today · 4.125%
HK$129,028
baseline
▲ 0.50% · 4.625%
HK$136,879
+HK$7,851/mo
Deposit HK$17.75M · loan HK$26.62M · min. income ≈ HK$258,056/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,885,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,072
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$138,694
−HK$3,675/mo
Today · 4.125%
HK$142,369
baseline
▲ 0.50% · 4.625%
HK$149,874
+HK$7,505/mo
Deposit HK$17.75M · loan HK$26.62M · min. income ≈ HK$284,738/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,885,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,650
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$146,056
−HK$4,476/mo
Today · 4.125%
HK$150,532
baseline
▲ 0.50% · 4.625%
HK$159,692
+HK$9,160/mo
Deposit HK$13.31M · loan HK$31.06M · min. income ≈ HK$301,064/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,885,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,584
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,810
−HK$4,288/mo
Today · 4.125%
HK$166,098
baseline
▲ 0.50% · 4.625%
HK$174,853
+HK$8,755/mo
Deposit HK$13.31M · loan HK$31.06M · min. income ≈ HK$332,196/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,885,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,121
−HK$11,421/mo
▼ 0.25% · 3.875%
HK$187,786
−HK$5,756/mo
Today · 4.125%
HK$193,542
baseline
▲ 0.50% · 4.625%
HK$205,318
+HK$11,776/mo
Deposit HK$4.44M · loan HK$39.93M · min. income ≈ HK$387,084/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,885,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,608
−HK$10,946/mo
▼ 0.25% · 3.875%
HK$208,042
−HK$5,512/mo
Today · 4.125%
HK$213,554
baseline
▲ 0.50% · 4.625%
HK$224,811
+HK$11,257/mo
Deposit HK$4.44M · loan HK$39.93M · min. income ≈ HK$427,108/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,885,789 · Scale 2, in force from 26 Feb 2026)