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$100,502
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,628
−HK$3,176/mo
Today · 4.125%
HK$106,804
baseline
▲ 0.50% · 4.625%
HK$113,303
+HK$6,499/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$213,608/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,807
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,806
−HK$3,042/mo
Today · 4.125%
HK$117,848
baseline
▲ 0.50% · 4.625%
HK$124,060
+HK$6,212/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$235,696/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,602
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$124,354
−HK$3,811/mo
Today · 4.125%
HK$128,165
baseline
▲ 0.50% · 4.625%
HK$135,963
+HK$7,798/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$256,330/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,873,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,169
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$137,767
−HK$3,650/mo
Today · 4.125%
HK$141,417
baseline
▲ 0.50% · 4.625%
HK$148,872
+HK$7,455/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$282,834/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,873,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,703
−HK$8,823/mo
▼ 0.25% · 3.875%
HK$145,079
−HK$4,447/mo
Today · 4.125%
HK$149,526
baseline
▲ 0.50% · 4.625%
HK$158,624
+HK$9,098/mo
Deposit HK$13.22M · loan HK$30.85M · min. income ≈ HK$299,052/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,530
−HK$8,457/mo
▼ 0.25% · 3.875%
HK$160,728
−HK$4,259/mo
Today · 4.125%
HK$164,987
baseline
▲ 0.50% · 4.625%
HK$173,684
+HK$8,697/mo
Deposit HK$13.22M · loan HK$30.85M · min. income ≈ HK$329,974/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,903
−HK$11,344/mo
▼ 0.25% · 3.875%
HK$186,530
−HK$5,717/mo
Today · 4.125%
HK$192,247
baseline
▲ 0.50% · 4.625%
HK$203,945
+HK$11,698/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$384,494/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,253
−HK$10,873/mo
▼ 0.25% · 3.875%
HK$206,651
−HK$5,475/mo
Today · 4.125%
HK$212,126
baseline
▲ 0.50% · 4.625%
HK$223,308
+HK$11,182/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$424,252/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,178 · Scale 2, in force from 26 Feb 2026)