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$99,206
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,292
−HK$3,135/mo
Today · 4.125%
HK$105,427
baseline
▲ 0.50% · 4.625%
HK$111,842
+HK$6,415/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$210,854/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,849,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,366
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,326
−HK$3,002/mo
Today · 4.125%
HK$116,328
baseline
▲ 0.50% · 4.625%
HK$122,460
+HK$6,132/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$232,656/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,849,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,047
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,750
−HK$3,762/mo
Today · 4.125%
HK$126,512
baseline
▲ 0.50% · 4.625%
HK$134,210
+HK$7,698/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$253,024/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,849,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,439
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,991
−HK$3,603/mo
Today · 4.125%
HK$139,594
baseline
▲ 0.50% · 4.625%
HK$146,952
+HK$7,358/mo
Deposit HK$17.40M · loan HK$26.10M · min. income ≈ HK$279,188/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,849,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,888
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$143,209
−HK$4,389/mo
Today · 4.125%
HK$147,598
baseline
▲ 0.50% · 4.625%
HK$156,579
+HK$8,981/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$295,196/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,849,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,512
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,656
−HK$4,204/mo
Today · 4.125%
HK$162,860
baseline
▲ 0.50% · 4.625%
HK$171,444
+HK$8,584/mo
Deposit HK$13.05M · loan HK$30.45M · min. income ≈ HK$325,720/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,849,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,571
−HK$11,198/mo
▼ 0.25% · 3.875%
HK$184,125
−HK$5,644/mo
Today · 4.125%
HK$189,769
baseline
▲ 0.50% · 4.625%
HK$201,316
+HK$11,547/mo
Deposit HK$4.35M · loan HK$39.16M · min. income ≈ HK$379,538/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,658
−HK$10,733/mo
▼ 0.25% · 3.875%
HK$203,986
−HK$5,405/mo
Today · 4.125%
HK$209,391
baseline
▲ 0.50% · 4.625%
HK$220,428
+HK$11,037/mo
Deposit HK$4.35M · loan HK$39.16M · min. income ≈ HK$418,782/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,026 · Scale 2, in force from 26 Feb 2026)