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$100,852
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,989
−HK$3,187/mo
Today · 4.125%
HK$107,176
baseline
▲ 0.50% · 4.625%
HK$113,698
+HK$6,522/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$214,352/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,197
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,206
−HK$3,052/mo
Today · 4.125%
HK$118,258
baseline
▲ 0.50% · 4.625%
HK$124,492
+HK$6,234/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$236,516/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,022
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$124,787
−HK$3,825/mo
Today · 4.125%
HK$128,612
baseline
▲ 0.50% · 4.625%
HK$136,437
+HK$7,825/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$257,224/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,636
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$138,247
−HK$3,663/mo
Today · 4.125%
HK$141,910
baseline
▲ 0.50% · 4.625%
HK$149,390
+HK$7,480/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$283,820/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,193
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$145,585
−HK$4,462/mo
Today · 4.125%
HK$150,047
baseline
▲ 0.50% · 4.625%
HK$159,177
+HK$9,130/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$300,094/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,076
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$161,288
−HK$4,274/mo
Today · 4.125%
HK$165,562
baseline
▲ 0.50% · 4.625%
HK$174,289
+HK$8,727/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$331,124/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,534
−HK$11,383/mo
▼ 0.25% · 3.875%
HK$187,180
−HK$5,737/mo
Today · 4.125%
HK$192,917
baseline
▲ 0.50% · 4.625%
HK$204,656
+HK$11,739/mo
Deposit HK$4.42M · loan HK$39.81M · min. income ≈ HK$385,834/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,954
−HK$10,911/mo
▼ 0.25% · 3.875%
HK$207,371
−HK$5,494/mo
Today · 4.125%
HK$212,865
baseline
▲ 0.50% · 4.625%
HK$224,086
+HK$11,221/mo
Deposit HK$4.42M · loan HK$39.81M · min. income ≈ HK$425,730/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,705 · Scale 2, in force from 26 Feb 2026)