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$101,231
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,380
−HK$3,199/mo
Today · 4.125%
HK$107,579
baseline
▲ 0.50% · 4.625%
HK$114,125
+HK$6,546/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$215,158/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$1,886,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,618
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,639
−HK$3,064/mo
Today · 4.125%
HK$118,703
baseline
▲ 0.50% · 4.625%
HK$124,960
+HK$6,257/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$237,406/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$1,886,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,477
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,256
−HK$3,839/mo
Today · 4.125%
HK$129,095
baseline
▲ 0.50% · 4.625%
HK$136,950
+HK$7,855/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$258,190/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,886,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,142
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,766
−HK$3,677/mo
Today · 4.125%
HK$142,443
baseline
▲ 0.50% · 4.625%
HK$149,952
+HK$7,509/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$284,886/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,886,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,723
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$146,132
−HK$4,478/mo
Today · 4.125%
HK$150,610
baseline
▲ 0.50% · 4.625%
HK$159,775
+HK$9,165/mo
Deposit HK$13.32M · loan HK$31.08M · min. income ≈ HK$301,220/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,886,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,666
−HK$8,518/mo
▼ 0.25% · 3.875%
HK$161,894
−HK$4,290/mo
Today · 4.125%
HK$166,184
baseline
▲ 0.50% · 4.625%
HK$174,944
+HK$8,760/mo
Deposit HK$13.32M · loan HK$31.08M · min. income ≈ HK$332,368/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,886,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,216
−HK$11,426/mo
▼ 0.25% · 3.875%
HK$187,883
−HK$5,759/mo
Today · 4.125%
HK$193,642
baseline
▲ 0.50% · 4.625%
HK$205,425
+HK$11,783/mo
Deposit HK$4.44M · loan HK$39.96M · min. income ≈ HK$387,284/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,713
−HK$10,952/mo
▼ 0.25% · 3.875%
HK$208,150
−HK$5,515/mo
Today · 4.125%
HK$213,665
baseline
▲ 0.50% · 4.625%
HK$224,927
+HK$11,262/mo
Deposit HK$4.44M · loan HK$39.96M · min. income ≈ HK$427,330/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,767 · Scale 2, in force from 26 Feb 2026)