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$101,434
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,589
−HK$3,206/mo
Today · 4.125%
HK$107,795
baseline
▲ 0.50% · 4.625%
HK$114,354
+HK$6,559/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$215,590/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,845
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,871
−HK$3,070/mo
Today · 4.125%
HK$118,941
baseline
▲ 0.50% · 4.625%
HK$125,211
+HK$6,270/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$237,882/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,721
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$125,507
−HK$3,847/mo
Today · 4.125%
HK$129,354
baseline
▲ 0.50% · 4.625%
HK$137,225
+HK$7,871/mo
Deposit HK$17.79M · loan HK$26.69M · min. income ≈ HK$258,708/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,414
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,045
−HK$3,685/mo
Today · 4.125%
HK$142,730
baseline
▲ 0.50% · 4.625%
HK$150,253
+HK$7,523/mo
Deposit HK$17.79M · loan HK$26.69M · min. income ≈ HK$285,460/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,008
−HK$8,905/mo
▼ 0.25% · 3.875%
HK$146,425
−HK$4,488/mo
Today · 4.125%
HK$150,913
baseline
▲ 0.50% · 4.625%
HK$160,096
+HK$9,183/mo
Deposit HK$13.35M · loan HK$31.14M · min. income ≈ HK$301,826/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,890,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,982
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$162,219
−HK$4,299/mo
Today · 4.125%
HK$166,518
baseline
▲ 0.50% · 4.625%
HK$175,295
+HK$8,777/mo
Deposit HK$13.35M · loan HK$31.14M · min. income ≈ HK$333,036/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,890,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,582
−HK$11,449/mo
▼ 0.25% · 3.875%
HK$188,261
−HK$5,770/mo
Today · 4.125%
HK$194,031
baseline
▲ 0.50% · 4.625%
HK$205,838
+HK$11,807/mo
Deposit HK$4.45M · loan HK$40.04M · min. income ≈ HK$388,062/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,120
−HK$10,974/mo
▼ 0.25% · 3.875%
HK$208,568
−HK$5,526/mo
Today · 4.125%
HK$214,094
baseline
▲ 0.50% · 4.625%
HK$225,380
+HK$11,286/mo
Deposit HK$4.45M · loan HK$40.04M · min. income ≈ HK$428,188/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,559 · Scale 2, in force from 26 Feb 2026)