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$100,718
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,850
−HK$3,183/mo
Today · 4.125%
HK$107,033
baseline
▲ 0.50% · 4.625%
HK$113,546
+HK$6,513/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$214,066/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,877,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,047
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,052
−HK$3,049/mo
Today · 4.125%
HK$118,101
baseline
▲ 0.50% · 4.625%
HK$124,326
+HK$6,225/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$236,202/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,877,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,861
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$124,621
−HK$3,819/mo
Today · 4.125%
HK$128,440
baseline
▲ 0.50% · 4.625%
HK$136,255
+HK$7,815/mo
Deposit HK$17.67M · loan HK$26.50M · min. income ≈ HK$256,880/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,877,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,457
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$138,063
−HK$3,658/mo
Today · 4.125%
HK$141,721
baseline
▲ 0.50% · 4.625%
HK$149,191
+HK$7,470/mo
Deposit HK$17.67M · loan HK$26.50M · min. income ≈ HK$283,442/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,877,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,005
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$145,391
−HK$4,456/mo
Today · 4.125%
HK$149,847
baseline
▲ 0.50% · 4.625%
HK$158,965
+HK$9,118/mo
Deposit HK$13.25M · loan HK$30.92M · min. income ≈ HK$299,694/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,866
−HK$8,475/mo
▼ 0.25% · 3.875%
HK$161,073
−HK$4,268/mo
Today · 4.125%
HK$165,341
baseline
▲ 0.50% · 4.625%
HK$174,057
+HK$8,716/mo
Deposit HK$13.25M · loan HK$30.92M · min. income ≈ HK$330,682/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,292
−HK$11,368/mo
▼ 0.25% · 3.875%
HK$186,931
−HK$5,729/mo
Today · 4.125%
HK$192,660
baseline
▲ 0.50% · 4.625%
HK$204,383
+HK$11,723/mo
Deposit HK$4.42M · loan HK$39.75M · min. income ≈ HK$385,320/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,877,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,685
−HK$10,897/mo
▼ 0.25% · 3.875%
HK$207,094
−HK$5,488/mo
Today · 4.125%
HK$212,582
baseline
▲ 0.50% · 4.625%
HK$223,787
+HK$11,205/mo
Deposit HK$4.42M · loan HK$39.75M · min. income ≈ HK$425,164/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,877,201 · Scale 2, in force from 26 Feb 2026)