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$100,938
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,078
−HK$3,190/mo
Today · 4.125%
HK$107,268
baseline
▲ 0.50% · 4.625%
HK$113,795
+HK$6,527/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,536/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,293
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,304
−HK$3,055/mo
Today · 4.125%
HK$118,359
baseline
▲ 0.50% · 4.625%
HK$124,598
+HK$6,239/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,718/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,126
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$124,893
−HK$3,828/mo
Today · 4.125%
HK$128,721
baseline
▲ 0.50% · 4.625%
HK$136,554
+HK$7,833/mo
Deposit HK$17.71M · loan HK$26.56M · min. income ≈ HK$257,442/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,751
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$138,365
−HK$3,666/mo
Today · 4.125%
HK$142,031
baseline
▲ 0.50% · 4.625%
HK$149,518
+HK$7,487/mo
Deposit HK$17.71M · loan HK$26.56M · min. income ≈ HK$284,062/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,313
−HK$8,862/mo
▼ 0.25% · 3.875%
HK$145,709
−HK$4,466/mo
Today · 4.125%
HK$150,175
baseline
▲ 0.50% · 4.625%
HK$159,313
+HK$9,138/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$300,350/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,210
−HK$8,493/mo
▼ 0.25% · 3.875%
HK$161,426
−HK$4,277/mo
Today · 4.125%
HK$165,703
baseline
▲ 0.50% · 4.625%
HK$174,438
+HK$8,735/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$331,406/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,689
−HK$11,393/mo
▼ 0.25% · 3.875%
HK$187,340
−HK$5,742/mo
Today · 4.125%
HK$193,082
baseline
▲ 0.50% · 4.625%
HK$204,831
+HK$11,749/mo
Deposit HK$4.43M · loan HK$39.84M · min. income ≈ HK$386,164/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,127
−HK$10,920/mo
▼ 0.25% · 3.875%
HK$207,548
−HK$5,499/mo
Today · 4.125%
HK$213,047
baseline
▲ 0.50% · 4.625%
HK$224,277
+HK$11,230/mo
Deposit HK$4.43M · loan HK$39.84M · min. income ≈ HK$426,094/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,310 · Scale 2, in force from 26 Feb 2026)