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$101,057
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,201
−HK$3,194/mo
Today · 4.125%
HK$107,395
baseline
▲ 0.50% · 4.625%
HK$113,929
+HK$6,534/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$214,790/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,425
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,441
−HK$3,058/mo
Today · 4.125%
HK$118,499
baseline
▲ 0.50% · 4.625%
HK$124,746
+HK$6,247/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$236,998/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,269
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,041
−HK$3,833/mo
Today · 4.125%
HK$128,874
baseline
▲ 0.50% · 4.625%
HK$136,715
+HK$7,841/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$257,748/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,910
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$138,529
−HK$3,670/mo
Today · 4.125%
HK$142,199
baseline
▲ 0.50% · 4.625%
HK$149,695
+HK$7,496/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$284,398/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,480
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$145,881
−HK$4,471/mo
Today · 4.125%
HK$150,352
baseline
▲ 0.50% · 4.625%
HK$159,501
+HK$9,149/mo
Deposit HK$13.30M · loan HK$31.02M · min. income ≈ HK$300,704/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,395
−HK$8,504/mo
▼ 0.25% · 3.875%
HK$161,617
−HK$4,282/mo
Today · 4.125%
HK$165,899
baseline
▲ 0.50% · 4.625%
HK$174,644
+HK$8,745/mo
Deposit HK$13.30M · loan HK$31.02M · min. income ≈ HK$331,798/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,903
−HK$11,407/mo
▼ 0.25% · 3.875%
HK$187,562
−HK$5,748/mo
Today · 4.125%
HK$193,310
baseline
▲ 0.50% · 4.625%
HK$205,073
+HK$11,763/mo
Deposit HK$4.43M · loan HK$39.89M · min. income ≈ HK$386,620/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,883,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,366
−HK$10,933/mo
▼ 0.25% · 3.875%
HK$207,793
−HK$5,506/mo
Today · 4.125%
HK$213,299
baseline
▲ 0.50% · 4.625%
HK$224,542
+HK$11,243/mo
Deposit HK$4.43M · loan HK$39.89M · min. income ≈ HK$426,598/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,883,534 · Scale 2, in force from 26 Feb 2026)