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$100,383
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,505
−HK$3,173/mo
Today · 4.125%
HK$106,678
baseline
▲ 0.50% · 4.625%
HK$113,169
+HK$6,491/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$213,356/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,675
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,670
−HK$3,039/mo
Today · 4.125%
HK$117,709
baseline
▲ 0.50% · 4.625%
HK$123,913
+HK$6,204/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$235,418/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,460
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,207
−HK$3,806/mo
Today · 4.125%
HK$128,013
baseline
▲ 0.50% · 4.625%
HK$135,803
+HK$7,790/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$256,026/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,010
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$137,604
−HK$3,646/mo
Today · 4.125%
HK$141,250
baseline
▲ 0.50% · 4.625%
HK$148,696
+HK$7,446/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$282,500/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,536
−HK$8,813/mo
▼ 0.25% · 3.875%
HK$144,908
−HK$4,441/mo
Today · 4.125%
HK$149,349
baseline
▲ 0.50% · 4.625%
HK$158,437
+HK$9,088/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$298,698/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,345
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$160,538
−HK$4,254/mo
Today · 4.125%
HK$164,792
baseline
▲ 0.50% · 4.625%
HK$173,478
+HK$8,686/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$329,584/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,689
−HK$11,331/mo
▼ 0.25% · 3.875%
HK$186,310
−HK$5,710/mo
Today · 4.125%
HK$192,020
baseline
▲ 0.50% · 4.625%
HK$203,704
+HK$11,684/mo
Deposit HK$4.40M · loan HK$39.62M · min. income ≈ HK$384,040/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,015
−HK$10,860/mo
▼ 0.25% · 3.875%
HK$206,406
−HK$5,469/mo
Today · 4.125%
HK$211,875
baseline
▲ 0.50% · 4.625%
HK$223,044
+HK$11,169/mo
Deposit HK$4.40M · loan HK$39.62M · min. income ≈ HK$423,750/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,964 · Scale 2, in force from 26 Feb 2026)