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$100,635
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,766
−HK$3,180/mo
Today · 4.125%
HK$106,946
baseline
▲ 0.50% · 4.625%
HK$113,454
+HK$6,508/mo
Deposit HK$22.07M · loan HK$22.07M · min. income ≈ HK$213,892/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$1,875,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,956
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,959
−HK$3,046/mo
Today · 4.125%
HK$118,005
baseline
▲ 0.50% · 4.625%
HK$124,225
+HK$6,220/mo
Deposit HK$22.07M · loan HK$22.07M · min. income ≈ HK$236,010/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$1,875,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,763
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,519
−HK$3,816/mo
Today · 4.125%
HK$128,335
baseline
▲ 0.50% · 4.625%
HK$136,144
+HK$7,809/mo
Deposit HK$17.65M · loan HK$26.48M · min. income ≈ HK$256,670/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,347
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$137,950
−HK$3,655/mo
Today · 4.125%
HK$141,605
baseline
▲ 0.50% · 4.625%
HK$149,070
+HK$7,465/mo
Deposit HK$17.65M · loan HK$26.48M · min. income ≈ HK$283,210/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,890
−HK$8,835/mo
▼ 0.25% · 3.875%
HK$145,272
−HK$4,453/mo
Today · 4.125%
HK$149,725
baseline
▲ 0.50% · 4.625%
HK$158,835
+HK$9,110/mo
Deposit HK$13.24M · loan HK$30.89M · min. income ≈ HK$299,450/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,875,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,738
−HK$8,468/mo
▼ 0.25% · 3.875%
HK$160,942
−HK$4,264/mo
Today · 4.125%
HK$165,206
baseline
▲ 0.50% · 4.625%
HK$173,915
+HK$8,709/mo
Deposit HK$13.24M · loan HK$30.89M · min. income ≈ HK$330,412/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,875,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,144
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$186,778
−HK$5,725/mo
Today · 4.125%
HK$192,503
baseline
▲ 0.50% · 4.625%
HK$204,216
+HK$11,713/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$385,006/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,521
−HK$10,887/mo
▼ 0.25% · 3.875%
HK$206,925
−HK$5,483/mo
Today · 4.125%
HK$212,408
baseline
▲ 0.50% · 4.625%
HK$223,604
+HK$11,196/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$424,816/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,669 · Scale 2, in force from 26 Feb 2026)