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$101,302
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,454
−HK$3,201/mo
Today · 4.125%
HK$107,655
baseline
▲ 0.50% · 4.625%
HK$114,206
+HK$6,551/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$215,310/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,888,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,698
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,721
−HK$3,066/mo
Today · 4.125%
HK$118,787
baseline
▲ 0.50% · 4.625%
HK$125,048
+HK$6,261/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$237,574/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,888,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,563
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$125,344
−HK$3,842/mo
Today · 4.125%
HK$129,186
baseline
▲ 0.50% · 4.625%
HK$137,047
+HK$7,861/mo
Deposit HK$17.77M · loan HK$26.66M · min. income ≈ HK$258,372/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,888,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,238
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,865
−HK$3,679/mo
Today · 4.125%
HK$142,544
baseline
▲ 0.50% · 4.625%
HK$150,058
+HK$7,514/mo
Deposit HK$17.77M · loan HK$26.66M · min. income ≈ HK$285,088/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,888,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,823
−HK$8,894/mo
▼ 0.25% · 3.875%
HK$146,235
−HK$4,482/mo
Today · 4.125%
HK$150,717
baseline
▲ 0.50% · 4.625%
HK$159,888
+HK$9,171/mo
Deposit HK$13.33M · loan HK$31.10M · min. income ≈ HK$301,434/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,777
−HK$8,524/mo
▼ 0.25% · 3.875%
HK$162,009
−HK$4,292/mo
Today · 4.125%
HK$166,301
baseline
▲ 0.50% · 4.625%
HK$175,067
+HK$8,766/mo
Deposit HK$13.33M · loan HK$31.10M · min. income ≈ HK$332,602/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,344
−HK$11,435/mo
▼ 0.25% · 3.875%
HK$188,016
−HK$5,763/mo
Today · 4.125%
HK$193,779
baseline
▲ 0.50% · 4.625%
HK$205,570
+HK$11,791/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$387,558/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,856
−HK$10,960/mo
▼ 0.25% · 3.875%
HK$208,297
−HK$5,519/mo
Today · 4.125%
HK$213,816
baseline
▲ 0.50% · 4.625%
HK$225,087
+HK$11,271/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$427,632/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,102 · Scale 2, in force from 26 Feb 2026)