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$101,077
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,221
−HK$3,194/mo
Today · 4.125%
HK$107,415
baseline
▲ 0.50% · 4.625%
HK$113,951
+HK$6,536/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$214,830/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$1,883,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,447
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,463
−HK$3,059/mo
Today · 4.125%
HK$118,522
baseline
▲ 0.50% · 4.625%
HK$124,770
+HK$6,248/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$237,044/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$1,883,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,292
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$125,065
−HK$3,833/mo
Today · 4.125%
HK$128,898
baseline
▲ 0.50% · 4.625%
HK$136,742
+HK$7,844/mo
Deposit HK$17.73M · loan HK$26.60M · min. income ≈ HK$257,796/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,936
−HK$7,291/mo
▼ 0.25% · 3.875%
HK$138,555
−HK$3,672/mo
Today · 4.125%
HK$142,227
baseline
▲ 0.50% · 4.625%
HK$149,724
+HK$7,497/mo
Deposit HK$17.73M · loan HK$26.60M · min. income ≈ HK$284,454/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,508
−HK$8,873/mo
▼ 0.25% · 3.875%
HK$145,909
−HK$4,472/mo
Today · 4.125%
HK$150,381
baseline
▲ 0.50% · 4.625%
HK$159,532
+HK$9,151/mo
Deposit HK$13.30M · loan HK$31.03M · min. income ≈ HK$300,762/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,426
−HK$8,505/mo
▼ 0.25% · 3.875%
HK$161,648
−HK$4,283/mo
Today · 4.125%
HK$165,931
baseline
▲ 0.50% · 4.625%
HK$174,678
+HK$8,747/mo
Deposit HK$13.30M · loan HK$31.03M · min. income ≈ HK$331,862/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,938
−HK$11,410/mo
▼ 0.25% · 3.875%
HK$187,598
−HK$5,750/mo
Today · 4.125%
HK$193,348
baseline
▲ 0.50% · 4.625%
HK$205,112
+HK$11,764/mo
Deposit HK$4.43M · loan HK$39.89M · min. income ≈ HK$386,696/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,883,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,405
−HK$10,935/mo
▼ 0.25% · 3.875%
HK$207,833
−HK$5,507/mo
Today · 4.125%
HK$213,340
baseline
▲ 0.50% · 4.625%
HK$224,585
+HK$11,245/mo
Deposit HK$4.43M · loan HK$39.89M · min. income ≈ HK$426,680/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,883,898 · Scale 2, in force from 26 Feb 2026)