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$101,066
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,210
−HK$3,194/mo
Today · 4.125%
HK$107,404
baseline
▲ 0.50% · 4.625%
HK$113,939
+HK$6,535/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$214,808/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,435
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,450
−HK$3,059/mo
Today · 4.125%
HK$118,509
baseline
▲ 0.50% · 4.625%
HK$124,756
+HK$6,247/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$237,018/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,279
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,052
−HK$3,832/mo
Today · 4.125%
HK$128,884
baseline
▲ 0.50% · 4.625%
HK$136,727
+HK$7,843/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$257,768/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,922
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$138,540
−HK$3,671/mo
Today · 4.125%
HK$142,211
baseline
▲ 0.50% · 4.625%
HK$149,707
+HK$7,496/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$284,422/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,492
−HK$8,873/mo
▼ 0.25% · 3.875%
HK$145,894
−HK$4,471/mo
Today · 4.125%
HK$150,365
baseline
▲ 0.50% · 4.625%
HK$159,515
+HK$9,150/mo
Deposit HK$13.30M · loan HK$31.03M · min. income ≈ HK$300,730/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,409
−HK$8,504/mo
▼ 0.25% · 3.875%
HK$161,630
−HK$4,283/mo
Today · 4.125%
HK$165,913
baseline
▲ 0.50% · 4.625%
HK$174,659
+HK$8,746/mo
Deposit HK$13.30M · loan HK$31.03M · min. income ≈ HK$331,826/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,919
−HK$11,408/mo
▼ 0.25% · 3.875%
HK$187,578
−HK$5,749/mo
Today · 4.125%
HK$193,327
baseline
▲ 0.50% · 4.625%
HK$205,090
+HK$11,763/mo
Deposit HK$4.43M · loan HK$39.89M · min. income ≈ HK$386,654/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,883,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,383
−HK$10,934/mo
▼ 0.25% · 3.875%
HK$207,811
−HK$5,506/mo
Today · 4.125%
HK$213,317
baseline
▲ 0.50% · 4.625%
HK$224,561
+HK$11,244/mo
Deposit HK$4.43M · loan HK$39.89M · min. income ≈ HK$426,634/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,883,694 · Scale 2, in force from 26 Feb 2026)