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$100,392
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,515
−HK$3,173/mo
Today · 4.125%
HK$106,688
baseline
▲ 0.50% · 4.625%
HK$113,179
+HK$6,491/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$213,376/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,685
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,681
−HK$3,038/mo
Today · 4.125%
HK$117,719
baseline
▲ 0.50% · 4.625%
HK$123,924
+HK$6,205/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$235,438/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,471
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$124,218
−HK$3,807/mo
Today · 4.125%
HK$128,025
baseline
▲ 0.50% · 4.625%
HK$135,815
+HK$7,790/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$256,050/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,022
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,617
−HK$3,646/mo
Today · 4.125%
HK$141,263
baseline
▲ 0.50% · 4.625%
HK$148,709
+HK$7,446/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$282,526/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,549
−HK$8,814/mo
▼ 0.25% · 3.875%
HK$144,921
−HK$4,442/mo
Today · 4.125%
HK$149,363
baseline
▲ 0.50% · 4.625%
HK$158,451
+HK$9,088/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$298,726/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,359
−HK$8,448/mo
▼ 0.25% · 3.875%
HK$160,553
−HK$4,254/mo
Today · 4.125%
HK$164,807
baseline
▲ 0.50% · 4.625%
HK$173,494
+HK$8,687/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$329,614/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,706
−HK$11,332/mo
▼ 0.25% · 3.875%
HK$186,327
−HK$5,711/mo
Today · 4.125%
HK$192,038
baseline
▲ 0.50% · 4.625%
HK$203,723
+HK$11,685/mo
Deposit HK$4.40M · loan HK$39.62M · min. income ≈ HK$384,076/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,033
−HK$10,862/mo
▼ 0.25% · 3.875%
HK$206,425
−HK$5,470/mo
Today · 4.125%
HK$211,895
baseline
▲ 0.50% · 4.625%
HK$223,064
+HK$11,169/mo
Deposit HK$4.40M · loan HK$39.62M · min. income ≈ HK$423,790/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,134 · Scale 2, in force from 26 Feb 2026)