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$101,703
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,866
−HK$3,215/mo
Today · 4.125%
HK$108,081
baseline
▲ 0.50% · 4.625%
HK$114,657
+HK$6,576/mo
Deposit HK$22.30M · loan HK$22.30M · min. income ≈ HK$216,162/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$1,895,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,143
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,178
−HK$3,078/mo
Today · 4.125%
HK$119,256
baseline
▲ 0.50% · 4.625%
HK$125,542
+HK$6,286/mo
Deposit HK$22.30M · loan HK$22.30M · min. income ≈ HK$238,512/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$1,895,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,043
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$125,840
−HK$3,857/mo
Today · 4.125%
HK$129,697
baseline
▲ 0.50% · 4.625%
HK$137,588
+HK$7,891/mo
Deposit HK$17.84M · loan HK$26.76M · min. income ≈ HK$259,394/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,895,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,772
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,413
−HK$3,694/mo
Today · 4.125%
HK$143,107
baseline
▲ 0.50% · 4.625%
HK$150,651
+HK$7,544/mo
Deposit HK$17.84M · loan HK$26.76M · min. income ≈ HK$286,214/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,895,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,384
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$146,813
−HK$4,500/mo
Today · 4.125%
HK$151,313
baseline
▲ 0.50% · 4.625%
HK$160,520
+HK$9,207/mo
Deposit HK$13.38M · loan HK$31.22M · min. income ≈ HK$302,626/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,895,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,401
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$162,649
−HK$4,310/mo
Today · 4.125%
HK$166,959
baseline
▲ 0.50% · 4.625%
HK$175,759
+HK$8,800/mo
Deposit HK$13.38M · loan HK$31.22M · min. income ≈ HK$333,918/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,895,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,065
−HK$11,480/mo
▼ 0.25% · 3.875%
HK$188,760
−HK$5,785/mo
Today · 4.125%
HK$194,545
baseline
▲ 0.50% · 4.625%
HK$206,383
+HK$11,838/mo
Deposit HK$4.46M · loan HK$40.14M · min. income ≈ HK$389,090/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,895,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,658
−HK$11,003/mo
▼ 0.25% · 3.875%
HK$209,120
−HK$5,541/mo
Today · 4.125%
HK$214,661
baseline
▲ 0.50% · 4.625%
HK$225,976
+HK$11,315/mo
Deposit HK$4.46M · loan HK$40.14M · min. income ≈ HK$429,322/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,895,565 · Scale 2, in force from 26 Feb 2026)