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$101,472
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,628
−HK$3,207/mo
Today · 4.125%
HK$107,835
baseline
▲ 0.50% · 4.625%
HK$114,396
+HK$6,561/mo
Deposit HK$22.25M · loan HK$22.25M · min. income ≈ HK$215,670/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$1,891,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,886
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,914
−HK$3,071/mo
Today · 4.125%
HK$118,985
baseline
▲ 0.50% · 4.625%
HK$125,257
+HK$6,272/mo
Deposit HK$22.25M · loan HK$22.25M · min. income ≈ HK$237,970/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$1,891,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,766
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$125,553
−HK$3,849/mo
Today · 4.125%
HK$129,402
baseline
▲ 0.50% · 4.625%
HK$137,275
+HK$7,873/mo
Deposit HK$17.80M · loan HK$26.70M · min. income ≈ HK$258,804/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,891,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,463
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$139,096
−HK$3,686/mo
Today · 4.125%
HK$142,782
baseline
▲ 0.50% · 4.625%
HK$150,308
+HK$7,526/mo
Deposit HK$17.80M · loan HK$26.70M · min. income ≈ HK$285,564/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,891,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,060
−HK$8,909/mo
▼ 0.25% · 3.875%
HK$146,479
−HK$4,490/mo
Today · 4.125%
HK$150,969
baseline
▲ 0.50% · 4.625%
HK$160,155
+HK$9,186/mo
Deposit HK$13.35M · loan HK$31.15M · min. income ≈ HK$301,938/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,891,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,040
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$162,279
−HK$4,300/mo
Today · 4.125%
HK$166,579
baseline
▲ 0.50% · 4.625%
HK$175,360
+HK$8,781/mo
Deposit HK$13.35M · loan HK$31.15M · min. income ≈ HK$333,158/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,891,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,649
−HK$11,453/mo
▼ 0.25% · 3.875%
HK$188,330
−HK$5,772/mo
Today · 4.125%
HK$194,102
baseline
▲ 0.50% · 4.625%
HK$205,913
+HK$11,811/mo
Deposit HK$4.45M · loan HK$40.05M · min. income ≈ HK$388,204/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,195
−HK$10,978/mo
▼ 0.25% · 3.875%
HK$208,644
−HK$5,529/mo
Today · 4.125%
HK$214,173
baseline
▲ 0.50% · 4.625%
HK$225,462
+HK$11,289/mo
Deposit HK$4.45M · loan HK$40.05M · min. income ≈ HK$428,346/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,253 · Scale 2, in force from 26 Feb 2026)