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$101,569
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,729
−HK$3,209/mo
Today · 4.125%
HK$107,938
baseline
▲ 0.50% · 4.625%
HK$114,506
+HK$6,568/mo
Deposit HK$22.27M · loan HK$22.27M · min. income ≈ HK$215,876/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,893,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,995
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,025
−HK$3,074/mo
Today · 4.125%
HK$119,099
baseline
▲ 0.50% · 4.625%
HK$125,377
+HK$6,278/mo
Deposit HK$22.27M · loan HK$22.27M · min. income ≈ HK$238,198/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,893,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,883
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$125,674
−HK$3,852/mo
Today · 4.125%
HK$129,526
baseline
▲ 0.50% · 4.625%
HK$137,407
+HK$7,881/mo
Deposit HK$17.82M · loan HK$26.73M · min. income ≈ HK$259,052/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,893,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,594
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$139,230
−HK$3,689/mo
Today · 4.125%
HK$142,919
baseline
▲ 0.50% · 4.625%
HK$150,453
+HK$7,534/mo
Deposit HK$17.82M · loan HK$26.73M · min. income ≈ HK$285,838/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,893,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,197
−HK$8,917/mo
▼ 0.25% · 3.875%
HK$146,620
−HK$4,494/mo
Today · 4.125%
HK$151,114
baseline
▲ 0.50% · 4.625%
HK$160,309
+HK$9,195/mo
Deposit HK$13.36M · loan HK$31.18M · min. income ≈ HK$302,228/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,893,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,193
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$162,435
−HK$4,304/mo
Today · 4.125%
HK$166,739
baseline
▲ 0.50% · 4.625%
HK$175,528
+HK$8,789/mo
Deposit HK$13.36M · loan HK$31.18M · min. income ≈ HK$333,478/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,893,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,825
−HK$11,464/mo
▼ 0.25% · 3.875%
HK$188,511
−HK$5,778/mo
Today · 4.125%
HK$194,289
baseline
▲ 0.50% · 4.625%
HK$206,111
+HK$11,822/mo
Deposit HK$4.45M · loan HK$40.09M · min. income ≈ HK$388,578/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,893,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,390
−HK$10,989/mo
▼ 0.25% · 3.875%
HK$208,845
−HK$5,534/mo
Today · 4.125%
HK$214,379
baseline
▲ 0.50% · 4.625%
HK$225,679
+HK$11,300/mo
Deposit HK$4.45M · loan HK$40.09M · min. income ≈ HK$428,758/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,893,072 · Scale 2, in force from 26 Feb 2026)