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$101,267
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,417
−HK$3,201/mo
Today · 4.125%
HK$107,618
baseline
▲ 0.50% · 4.625%
HK$114,166
+HK$6,548/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$215,236/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,887,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,659
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,680
−HK$3,065/mo
Today · 4.125%
HK$118,745
baseline
▲ 0.50% · 4.625%
HK$125,005
+HK$6,260/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$237,490/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,887,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,521
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$125,301
−HK$3,840/mo
Today · 4.125%
HK$129,141
baseline
▲ 0.50% · 4.625%
HK$136,999
+HK$7,858/mo
Deposit HK$17.76M · loan HK$26.65M · min. income ≈ HK$258,282/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,191
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$138,816
−HK$3,679/mo
Today · 4.125%
HK$142,495
baseline
▲ 0.50% · 4.625%
HK$150,006
+HK$7,511/mo
Deposit HK$17.76M · loan HK$26.65M · min. income ≈ HK$284,990/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,774
−HK$8,891/mo
▼ 0.25% · 3.875%
HK$146,184
−HK$4,481/mo
Today · 4.125%
HK$150,665
baseline
▲ 0.50% · 4.625%
HK$159,832
+HK$9,167/mo
Deposit HK$13.32M · loan HK$31.09M · min. income ≈ HK$301,330/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,722
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$161,952
−HK$4,292/mo
Today · 4.125%
HK$166,244
baseline
▲ 0.50% · 4.625%
HK$175,007
+HK$8,763/mo
Deposit HK$13.32M · loan HK$31.09M · min. income ≈ HK$332,488/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,281
−HK$11,431/mo
▼ 0.25% · 3.875%
HK$187,951
−HK$5,761/mo
Today · 4.125%
HK$193,712
baseline
▲ 0.50% · 4.625%
HK$205,499
+HK$11,787/mo
Deposit HK$4.44M · loan HK$39.97M · min. income ≈ HK$387,424/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,786
−HK$10,956/mo
▼ 0.25% · 3.875%
HK$208,225
−HK$5,517/mo
Today · 4.125%
HK$213,742
baseline
▲ 0.50% · 4.625%
HK$225,008
+HK$11,266/mo
Deposit HK$4.44M · loan HK$39.97M · min. income ≈ HK$427,484/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,446 · Scale 2, in force from 26 Feb 2026)