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$100,959
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,100
−HK$3,190/mo
Today · 4.125%
HK$107,290
baseline
▲ 0.50% · 4.625%
HK$113,819
+HK$6,529/mo
Deposit HK$22.14M · loan HK$22.14M · min. income ≈ HK$214,580/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,881,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,316
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,328
−HK$3,056/mo
Today · 4.125%
HK$118,384
baseline
▲ 0.50% · 4.625%
HK$124,625
+HK$6,241/mo
Deposit HK$22.14M · loan HK$22.14M · min. income ≈ HK$236,768/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,881,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,151
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$124,920
−HK$3,828/mo
Today · 4.125%
HK$128,748
baseline
▲ 0.50% · 4.625%
HK$136,582
+HK$7,834/mo
Deposit HK$17.71M · loan HK$26.57M · min. income ≈ HK$257,496/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,779
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$138,394
−HK$3,667/mo
Today · 4.125%
HK$142,061
baseline
▲ 0.50% · 4.625%
HK$149,549
+HK$7,488/mo
Deposit HK$17.71M · loan HK$26.57M · min. income ≈ HK$284,122/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,343
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$145,740
−HK$4,466/mo
Today · 4.125%
HK$150,206
baseline
▲ 0.50% · 4.625%
HK$159,346
+HK$9,140/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$300,412/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,243
−HK$8,495/mo
▼ 0.25% · 3.875%
HK$161,460
−HK$4,278/mo
Today · 4.125%
HK$165,738
baseline
▲ 0.50% · 4.625%
HK$174,474
+HK$8,736/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$331,476/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,727
−HK$11,396/mo
▼ 0.25% · 3.875%
HK$187,379
−HK$5,744/mo
Today · 4.125%
HK$193,123
baseline
▲ 0.50% · 4.625%
HK$204,874
+HK$11,751/mo
Deposit HK$4.43M · loan HK$39.85M · min. income ≈ HK$386,246/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,169
−HK$10,923/mo
▼ 0.25% · 3.875%
HK$207,591
−HK$5,501/mo
Today · 4.125%
HK$213,092
baseline
▲ 0.50% · 4.625%
HK$224,324
+HK$11,232/mo
Deposit HK$4.43M · loan HK$39.85M · min. income ≈ HK$426,184/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,706 · Scale 2, in force from 26 Feb 2026)