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$100,904
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,042
−HK$3,189/mo
Today · 4.125%
HK$107,231
baseline
▲ 0.50% · 4.625%
HK$113,756
+HK$6,525/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,462/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,880,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,254
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,265
−HK$3,054/mo
Today · 4.125%
HK$118,319
baseline
▲ 0.50% · 4.625%
HK$124,556
+HK$6,237/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,638/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,880,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,084
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,851
−HK$3,826/mo
Today · 4.125%
HK$128,677
baseline
▲ 0.50% · 4.625%
HK$136,507
+HK$7,830/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$257,354/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,705
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$138,318
−HK$3,665/mo
Today · 4.125%
HK$141,983
baseline
▲ 0.50% · 4.625%
HK$149,467
+HK$7,484/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$283,966/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,265
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$145,659
−HK$4,465/mo
Today · 4.125%
HK$150,124
baseline
▲ 0.50% · 4.625%
HK$159,258
+HK$9,134/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$300,248/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,880,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,156
−HK$8,491/mo
▼ 0.25% · 3.875%
HK$161,371
−HK$4,276/mo
Today · 4.125%
HK$165,647
baseline
▲ 0.50% · 4.625%
HK$174,378
+HK$8,731/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$331,294/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,880,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,626
−HK$11,390/mo
▼ 0.25% · 3.875%
HK$187,276
−HK$5,740/mo
Today · 4.125%
HK$193,016
baseline
▲ 0.50% · 4.625%
HK$204,761
+HK$11,745/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$386,032/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,880,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,058
−HK$10,916/mo
▼ 0.25% · 3.875%
HK$207,477
−HK$5,497/mo
Today · 4.125%
HK$212,974
baseline
▲ 0.50% · 4.625%
HK$224,200
+HK$11,226/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$425,948/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,880,668 · Scale 2, in force from 26 Feb 2026)