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$100,440
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,564
−HK$3,174/mo
Today · 4.125%
HK$106,738
baseline
▲ 0.50% · 4.625%
HK$113,233
+HK$6,495/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$213,476/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,738
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,735
−HK$3,040/mo
Today · 4.125%
HK$117,775
baseline
▲ 0.50% · 4.625%
HK$123,983
+HK$6,208/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$235,550/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,528
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,277
−HK$3,809/mo
Today · 4.125%
HK$128,086
baseline
▲ 0.50% · 4.625%
HK$135,879
+HK$7,793/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$256,172/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,872,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,086
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$137,682
−HK$3,648/mo
Today · 4.125%
HK$141,330
baseline
▲ 0.50% · 4.625%
HK$148,780
+HK$7,450/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$282,660/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,872,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,615
−HK$8,818/mo
▼ 0.25% · 3.875%
HK$144,989
−HK$4,444/mo
Today · 4.125%
HK$149,433
baseline
▲ 0.50% · 4.625%
HK$158,526
+HK$9,093/mo
Deposit HK$13.21M · loan HK$30.83M · min. income ≈ HK$298,866/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,433
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$160,629
−HK$4,256/mo
Today · 4.125%
HK$164,885
baseline
▲ 0.50% · 4.625%
HK$173,576
+HK$8,691/mo
Deposit HK$13.21M · loan HK$30.83M · min. income ≈ HK$329,770/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,791
−HK$11,337/mo
▼ 0.25% · 3.875%
HK$186,415
−HK$5,713/mo
Today · 4.125%
HK$192,128
baseline
▲ 0.50% · 4.625%
HK$203,819
+HK$11,691/mo
Deposit HK$4.40M · loan HK$39.64M · min. income ≈ HK$384,256/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,128
−HK$10,867/mo
▼ 0.25% · 3.875%
HK$206,523
−HK$5,472/mo
Today · 4.125%
HK$211,995
baseline
▲ 0.50% · 4.625%
HK$223,169
+HK$11,174/mo
Deposit HK$4.40M · loan HK$39.64M · min. income ≈ HK$423,990/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,019 · Scale 2, in force from 26 Feb 2026)