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$101,223
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,371
−HK$3,199/mo
Today · 4.125%
HK$107,570
baseline
▲ 0.50% · 4.625%
HK$114,116
+HK$6,546/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$215,140/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$1,886,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,609
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,630
−HK$3,063/mo
Today · 4.125%
HK$118,693
baseline
▲ 0.50% · 4.625%
HK$124,950
+HK$6,257/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$237,386/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$1,886,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,467
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,246
−HK$3,838/mo
Today · 4.125%
HK$129,084
baseline
▲ 0.50% · 4.625%
HK$136,939
+HK$7,855/mo
Deposit HK$17.76M · loan HK$26.63M · min. income ≈ HK$258,168/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,886,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,131
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,755
−HK$3,677/mo
Today · 4.125%
HK$142,432
baseline
▲ 0.50% · 4.625%
HK$149,940
+HK$7,508/mo
Deposit HK$17.76M · loan HK$26.63M · min. income ≈ HK$284,864/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,886,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,712
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$146,120
−HK$4,479/mo
Today · 4.125%
HK$150,599
baseline
▲ 0.50% · 4.625%
HK$159,762
+HK$9,163/mo
Deposit HK$13.32M · loan HK$31.07M · min. income ≈ HK$301,198/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,886,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,653
−HK$8,518/mo
▼ 0.25% · 3.875%
HK$161,881
−HK$4,290/mo
Today · 4.125%
HK$166,171
baseline
▲ 0.50% · 4.625%
HK$174,930
+HK$8,759/mo
Deposit HK$13.32M · loan HK$31.07M · min. income ≈ HK$332,342/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,886,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,201
−HK$11,426/mo
▼ 0.25% · 3.875%
HK$187,869
−HK$5,758/mo
Today · 4.125%
HK$193,627
baseline
▲ 0.50% · 4.625%
HK$205,408
+HK$11,781/mo
Deposit HK$4.44M · loan HK$39.95M · min. income ≈ HK$387,254/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,697
−HK$10,951/mo
▼ 0.25% · 3.875%
HK$208,133
−HK$5,515/mo
Today · 4.125%
HK$213,648
baseline
▲ 0.50% · 4.625%
HK$224,910
+HK$11,262/mo
Deposit HK$4.44M · loan HK$39.95M · min. income ≈ HK$427,296/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,618 · Scale 2, in force from 26 Feb 2026)