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$100,995
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,136
−HK$3,192/mo
Today · 4.125%
HK$107,328
baseline
▲ 0.50% · 4.625%
HK$113,859
+HK$6,531/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$214,656/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,356
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,369
−HK$3,057/mo
Today · 4.125%
HK$118,426
baseline
▲ 0.50% · 4.625%
HK$124,668
+HK$6,242/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$236,852/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,194
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$124,963
−HK$3,831/mo
Today · 4.125%
HK$128,794
baseline
▲ 0.50% · 4.625%
HK$136,630
+HK$7,836/mo
Deposit HK$17.72M · loan HK$26.57M · min. income ≈ HK$257,588/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,827
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$138,443
−HK$3,668/mo
Today · 4.125%
HK$142,111
baseline
▲ 0.50% · 4.625%
HK$149,602
+HK$7,491/mo
Deposit HK$17.72M · loan HK$26.57M · min. income ≈ HK$284,222/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,393
−HK$8,866/mo
▼ 0.25% · 3.875%
HK$145,791
−HK$4,468/mo
Today · 4.125%
HK$150,259
baseline
▲ 0.50% · 4.625%
HK$159,402
+HK$9,143/mo
Deposit HK$13.29M · loan HK$31.00M · min. income ≈ HK$300,518/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,298
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$161,516
−HK$4,280/mo
Today · 4.125%
HK$165,796
baseline
▲ 0.50% · 4.625%
HK$174,535
+HK$8,739/mo
Deposit HK$13.29M · loan HK$31.00M · min. income ≈ HK$331,592/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,790
−HK$11,400/mo
▼ 0.25% · 3.875%
HK$187,445
−HK$5,745/mo
Today · 4.125%
HK$193,190
baseline
▲ 0.50% · 4.625%
HK$204,945
+HK$11,755/mo
Deposit HK$4.43M · loan HK$39.86M · min. income ≈ HK$386,380/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,240
−HK$10,926/mo
▼ 0.25% · 3.875%
HK$207,664
−HK$5,502/mo
Today · 4.125%
HK$213,166
baseline
▲ 0.50% · 4.625%
HK$224,403
+HK$11,237/mo
Deposit HK$4.43M · loan HK$39.86M · min. income ≈ HK$426,332/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,365 · Scale 2, in force from 26 Feb 2026)