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$101,290
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,440
−HK$3,201/mo
Today · 4.125%
HK$107,641
baseline
▲ 0.50% · 4.625%
HK$114,191
+HK$6,550/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$215,282/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,887,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,684
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,706
−HK$3,066/mo
Today · 4.125%
HK$118,772
baseline
▲ 0.50% · 4.625%
HK$125,032
+HK$6,260/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$237,544/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,887,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,548
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,328
−HK$3,842/mo
Today · 4.125%
HK$129,170
baseline
▲ 0.50% · 4.625%
HK$137,029
+HK$7,859/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$258,340/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,887,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,220
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,847
−HK$3,679/mo
Today · 4.125%
HK$142,526
baseline
▲ 0.50% · 4.625%
HK$150,039
+HK$7,513/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$285,052/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,887,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,805
−HK$8,893/mo
▼ 0.25% · 3.875%
HK$146,216
−HK$4,482/mo
Today · 4.125%
HK$150,698
baseline
▲ 0.50% · 4.625%
HK$159,868
+HK$9,170/mo
Deposit HK$13.33M · loan HK$31.09M · min. income ≈ HK$301,396/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,757
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$161,988
−HK$4,292/mo
Today · 4.125%
HK$166,280
baseline
▲ 0.50% · 4.625%
HK$175,045
+HK$8,765/mo
Deposit HK$13.33M · loan HK$31.09M · min. income ≈ HK$332,560/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,321
−HK$11,433/mo
▼ 0.25% · 3.875%
HK$187,993
−HK$5,761/mo
Today · 4.125%
HK$193,754
baseline
▲ 0.50% · 4.625%
HK$205,544
+HK$11,790/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$387,508/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,831
−HK$10,958/mo
▼ 0.25% · 3.875%
HK$208,270
−HK$5,519/mo
Today · 4.125%
HK$213,789
baseline
▲ 0.50% · 4.625%
HK$225,058
+HK$11,269/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$427,578/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,862 · Scale 2, in force from 26 Feb 2026)