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$101,115
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,260
−HK$3,195/mo
Today · 4.125%
HK$107,455
baseline
▲ 0.50% · 4.625%
HK$113,994
+HK$6,539/mo
Deposit HK$22.17M · loan HK$22.17M · min. income ≈ HK$214,910/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$1,884,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,489
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,506
−HK$3,060/mo
Today · 4.125%
HK$118,566
baseline
▲ 0.50% · 4.625%
HK$124,816
+HK$6,250/mo
Deposit HK$22.17M · loan HK$22.17M · min. income ≈ HK$237,132/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$1,884,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,338
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$125,112
−HK$3,834/mo
Today · 4.125%
HK$128,946
baseline
▲ 0.50% · 4.625%
HK$136,793
+HK$7,847/mo
Deposit HK$17.74M · loan HK$26.61M · min. income ≈ HK$257,892/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,884,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,987
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,607
−HK$3,673/mo
Today · 4.125%
HK$142,280
baseline
▲ 0.50% · 4.625%
HK$149,779
+HK$7,499/mo
Deposit HK$17.74M · loan HK$26.61M · min. income ≈ HK$284,560/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,884,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,560
−HK$8,878/mo
▼ 0.25% · 3.875%
HK$145,964
−HK$4,474/mo
Today · 4.125%
HK$150,438
baseline
▲ 0.50% · 4.625%
HK$159,591
+HK$9,153/mo
Deposit HK$13.30M · loan HK$31.04M · min. income ≈ HK$300,876/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,884,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,485
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$161,708
−HK$4,285/mo
Today · 4.125%
HK$165,993
baseline
▲ 0.50% · 4.625%
HK$174,743
+HK$8,750/mo
Deposit HK$13.30M · loan HK$31.04M · min. income ≈ HK$331,986/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,884,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,006
−HK$11,414/mo
▼ 0.25% · 3.875%
HK$187,668
−HK$5,752/mo
Today · 4.125%
HK$193,420
baseline
▲ 0.50% · 4.625%
HK$205,189
+HK$11,769/mo
Deposit HK$4.43M · loan HK$39.91M · min. income ≈ HK$386,840/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,884,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,480
−HK$10,940/mo
▼ 0.25% · 3.875%
HK$207,911
−HK$5,509/mo
Today · 4.125%
HK$213,420
baseline
▲ 0.50% · 4.625%
HK$224,669
+HK$11,249/mo
Deposit HK$4.43M · loan HK$39.91M · min. income ≈ HK$426,840/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,884,601 · Scale 2, in force from 26 Feb 2026)