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$101,170
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,317
−HK$3,197/mo
Today · 4.125%
HK$107,514
baseline
▲ 0.50% · 4.625%
HK$114,056
+HK$6,542/mo
Deposit HK$22.18M · loan HK$22.18M · min. income ≈ HK$215,028/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$1,885,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,550
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,569
−HK$3,062/mo
Today · 4.125%
HK$118,631
baseline
▲ 0.50% · 4.625%
HK$124,884
+HK$6,253/mo
Deposit HK$22.18M · loan HK$22.18M · min. income ≈ HK$237,262/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$1,885,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,404
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$125,180
−HK$3,837/mo
Today · 4.125%
HK$129,017
baseline
▲ 0.50% · 4.625%
HK$136,867
+HK$7,850/mo
Deposit HK$17.75M · loan HK$26.62M · min. income ≈ HK$258,034/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,885,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,060
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$138,683
−HK$3,674/mo
Today · 4.125%
HK$142,357
baseline
▲ 0.50% · 4.625%
HK$149,861
+HK$7,504/mo
Deposit HK$17.75M · loan HK$26.62M · min. income ≈ HK$284,714/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,885,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,638
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$146,043
−HK$4,477/mo
Today · 4.125%
HK$150,520
baseline
▲ 0.50% · 4.625%
HK$159,678
+HK$9,158/mo
Deposit HK$13.31M · loan HK$31.06M · min. income ≈ HK$301,040/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,885,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,571
−HK$8,513/mo
▼ 0.25% · 3.875%
HK$161,796
−HK$4,288/mo
Today · 4.125%
HK$166,084
baseline
▲ 0.50% · 4.625%
HK$174,838
+HK$8,754/mo
Deposit HK$13.31M · loan HK$31.06M · min. income ≈ HK$332,168/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,885,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,106
−HK$11,419/mo
▼ 0.25% · 3.875%
HK$187,770
−HK$5,755/mo
Today · 4.125%
HK$193,525
baseline
▲ 0.50% · 4.625%
HK$205,301
+HK$11,776/mo
Deposit HK$4.44M · loan HK$39.93M · min. income ≈ HK$387,050/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,885,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,591
−HK$10,945/mo
▼ 0.25% · 3.875%
HK$208,024
−HK$5,512/mo
Today · 4.125%
HK$213,536
baseline
▲ 0.50% · 4.625%
HK$224,792
+HK$11,256/mo
Deposit HK$4.44M · loan HK$39.93M · min. income ≈ HK$427,072/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,885,628 · Scale 2, in force from 26 Feb 2026)