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$100,654
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,785
−HK$3,181/mo
Today · 4.125%
HK$106,966
baseline
▲ 0.50% · 4.625%
HK$113,475
+HK$6,509/mo
Deposit HK$22.07M · loan HK$22.07M · min. income ≈ HK$213,932/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,876,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,977
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,980
−HK$3,047/mo
Today · 4.125%
HK$118,027
baseline
▲ 0.50% · 4.625%
HK$124,248
+HK$6,221/mo
Deposit HK$22.07M · loan HK$22.07M · min. income ≈ HK$236,054/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,876,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,785
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,542
−HK$3,818/mo
Today · 4.125%
HK$128,360
baseline
▲ 0.50% · 4.625%
HK$136,170
+HK$7,810/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$256,720/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,876,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,372
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,976
−HK$3,656/mo
Today · 4.125%
HK$141,632
baseline
▲ 0.50% · 4.625%
HK$149,098
+HK$7,466/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$283,264/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,876,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,916
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$145,299
−HK$4,454/mo
Today · 4.125%
HK$149,753
baseline
▲ 0.50% · 4.625%
HK$158,865
+HK$9,112/mo
Deposit HK$13.24M · loan HK$30.90M · min. income ≈ HK$299,506/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,768
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$160,972
−HK$4,265/mo
Today · 4.125%
HK$165,237
baseline
▲ 0.50% · 4.625%
HK$173,947
+HK$8,710/mo
Deposit HK$13.24M · loan HK$30.90M · min. income ≈ HK$330,474/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,178
−HK$11,361/mo
▼ 0.25% · 3.875%
HK$186,814
−HK$5,725/mo
Today · 4.125%
HK$192,539
baseline
▲ 0.50% · 4.625%
HK$204,255
+HK$11,716/mo
Deposit HK$4.41M · loan HK$39.73M · min. income ≈ HK$385,078/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,559
−HK$10,889/mo
▼ 0.25% · 3.875%
HK$206,964
−HK$5,484/mo
Today · 4.125%
HK$212,448
baseline
▲ 0.50% · 4.625%
HK$223,647
+HK$11,199/mo
Deposit HK$4.41M · loan HK$39.73M · min. income ≈ HK$424,896/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,022 · Scale 2, in force from 26 Feb 2026)