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$101,426
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,581
−HK$3,205/mo
Today · 4.125%
HK$107,786
baseline
▲ 0.50% · 4.625%
HK$114,345
+HK$6,559/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$215,572/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,835
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,862
−HK$3,069/mo
Today · 4.125%
HK$118,931
baseline
▲ 0.50% · 4.625%
HK$125,201
+HK$6,270/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$237,862/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,711
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$125,497
−HK$3,846/mo
Today · 4.125%
HK$129,343
baseline
▲ 0.50% · 4.625%
HK$137,214
+HK$7,871/mo
Deposit HK$17.79M · loan HK$26.69M · min. income ≈ HK$258,686/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,402
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,034
−HK$3,684/mo
Today · 4.125%
HK$142,718
baseline
▲ 0.50% · 4.625%
HK$150,241
+HK$7,523/mo
Deposit HK$17.79M · loan HK$26.69M · min. income ≈ HK$285,436/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,996
−HK$8,905/mo
▼ 0.25% · 3.875%
HK$146,413
−HK$4,488/mo
Today · 4.125%
HK$150,901
baseline
▲ 0.50% · 4.625%
HK$160,083
+HK$9,182/mo
Deposit HK$13.34M · loan HK$31.14M · min. income ≈ HK$301,802/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,890,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,969
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$162,206
−HK$4,298/mo
Today · 4.125%
HK$166,504
baseline
▲ 0.50% · 4.625%
HK$175,281
+HK$8,777/mo
Deposit HK$13.34M · loan HK$31.14M · min. income ≈ HK$333,008/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,890,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,567
−HK$11,448/mo
▼ 0.25% · 3.875%
HK$188,246
−HK$5,769/mo
Today · 4.125%
HK$194,015
baseline
▲ 0.50% · 4.625%
HK$205,821
+HK$11,806/mo
Deposit HK$4.45M · loan HK$40.03M · min. income ≈ HK$388,030/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,104
−HK$10,973/mo
▼ 0.25% · 3.875%
HK$208,551
−HK$5,526/mo
Today · 4.125%
HK$214,077
baseline
▲ 0.50% · 4.625%
HK$225,361
+HK$11,284/mo
Deposit HK$4.45M · loan HK$40.03M · min. income ≈ HK$428,154/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,403 · Scale 2, in force from 26 Feb 2026)