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$101,232
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,381
−HK$3,199/mo
Today · 4.125%
HK$107,580
baseline
▲ 0.50% · 4.625%
HK$114,126
+HK$6,546/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$215,160/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$1,886,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,620
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,640
−HK$3,064/mo
Today · 4.125%
HK$118,704
baseline
▲ 0.50% · 4.625%
HK$124,961
+HK$6,257/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$237,408/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$1,886,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,479
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,257
−HK$3,839/mo
Today · 4.125%
HK$129,096
baseline
▲ 0.50% · 4.625%
HK$136,952
+HK$7,856/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$258,192/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,886,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,144
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,768
−HK$3,677/mo
Today · 4.125%
HK$142,445
baseline
▲ 0.50% · 4.625%
HK$149,954
+HK$7,509/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$284,890/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,886,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,725
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$146,134
−HK$4,478/mo
Today · 4.125%
HK$150,612
baseline
▲ 0.50% · 4.625%
HK$159,777
+HK$9,165/mo
Deposit HK$13.32M · loan HK$31.08M · min. income ≈ HK$301,224/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,886,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,668
−HK$8,518/mo
▼ 0.25% · 3.875%
HK$161,896
−HK$4,290/mo
Today · 4.125%
HK$166,186
baseline
▲ 0.50% · 4.625%
HK$174,946
+HK$8,760/mo
Deposit HK$13.32M · loan HK$31.08M · min. income ≈ HK$332,372/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,886,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,218
−HK$11,427/mo
▼ 0.25% · 3.875%
HK$187,886
−HK$5,759/mo
Today · 4.125%
HK$193,645
baseline
▲ 0.50% · 4.625%
HK$205,427
+HK$11,782/mo
Deposit HK$4.44M · loan HK$39.96M · min. income ≈ HK$387,290/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,716
−HK$10,952/mo
▼ 0.25% · 3.875%
HK$208,152
−HK$5,516/mo
Today · 4.125%
HK$213,668
baseline
▲ 0.50% · 4.625%
HK$224,930
+HK$11,262/mo
Deposit HK$4.44M · loan HK$39.96M · min. income ≈ HK$427,336/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,792 · Scale 2, in force from 26 Feb 2026)