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$100,579
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,708
−HK$3,178/mo
Today · 4.125%
HK$106,886
baseline
▲ 0.50% · 4.625%
HK$113,390
+HK$6,504/mo
Deposit HK$22.05M · loan HK$22.05M · min. income ≈ HK$213,772/mo (50% DSR)
Upfront cash ≈ HK$23.93M (deposit + AVD stamp duty HK$1,874,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,893
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,894
−HK$3,045/mo
Today · 4.125%
HK$117,939
baseline
▲ 0.50% · 4.625%
HK$124,155
+HK$6,216/mo
Deposit HK$22.05M · loan HK$22.05M · min. income ≈ HK$235,878/mo (50% DSR)
Upfront cash ≈ HK$23.93M (deposit + AVD stamp duty HK$1,874,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,695
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,449
−HK$3,815/mo
Today · 4.125%
HK$128,264
baseline
▲ 0.50% · 4.625%
HK$136,068
+HK$7,804/mo
Deposit HK$17.64M · loan HK$26.47M · min. income ≈ HK$256,528/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,874,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,272
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$137,873
−HK$3,653/mo
Today · 4.125%
HK$141,526
baseline
▲ 0.50% · 4.625%
HK$148,986
+HK$7,460/mo
Deposit HK$17.64M · loan HK$26.47M · min. income ≈ HK$283,052/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,874,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,811
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$145,191
−HK$4,450/mo
Today · 4.125%
HK$149,641
baseline
▲ 0.50% · 4.625%
HK$158,746
+HK$9,105/mo
Deposit HK$13.23M · loan HK$30.88M · min. income ≈ HK$299,282/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,874,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,651
−HK$8,463/mo
▼ 0.25% · 3.875%
HK$160,852
−HK$4,262/mo
Today · 4.125%
HK$165,114
baseline
▲ 0.50% · 4.625%
HK$173,818
+HK$8,704/mo
Deposit HK$13.23M · loan HK$30.88M · min. income ≈ HK$330,228/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,874,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,043
−HK$11,353/mo
▼ 0.25% · 3.875%
HK$186,674
−HK$5,722/mo
Today · 4.125%
HK$192,396
baseline
▲ 0.50% · 4.625%
HK$204,102
+HK$11,706/mo
Deposit HK$4.41M · loan HK$39.70M · min. income ≈ HK$384,792/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,874,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,408
−HK$10,882/mo
▼ 0.25% · 3.875%
HK$206,810
−HK$5,480/mo
Today · 4.125%
HK$212,290
baseline
▲ 0.50% · 4.625%
HK$223,480
+HK$11,190/mo
Deposit HK$4.41M · loan HK$39.70M · min. income ≈ HK$424,580/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,874,622 · Scale 2, in force from 26 Feb 2026)