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$101,019
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,161
−HK$3,193/mo
Today · 4.125%
HK$107,354
baseline
▲ 0.50% · 4.625%
HK$113,886
+HK$6,532/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$214,708/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,383
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,397
−HK$3,058/mo
Today · 4.125%
HK$118,455
baseline
▲ 0.50% · 4.625%
HK$124,698
+HK$6,243/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$236,910/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,223
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$124,994
−HK$3,831/mo
Today · 4.125%
HK$128,825
baseline
▲ 0.50% · 4.625%
HK$136,663
+HK$7,838/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$257,650/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,859
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$138,476
−HK$3,669/mo
Today · 4.125%
HK$142,145
baseline
▲ 0.50% · 4.625%
HK$149,638
+HK$7,493/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$284,290/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,427
−HK$8,869/mo
▼ 0.25% · 3.875%
HK$145,826
−HK$4,470/mo
Today · 4.125%
HK$150,296
baseline
▲ 0.50% · 4.625%
HK$159,441
+HK$9,145/mo
Deposit HK$13.29M · loan HK$31.01M · min. income ≈ HK$300,592/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,336
−HK$8,500/mo
▼ 0.25% · 3.875%
HK$161,556
−HK$4,280/mo
Today · 4.125%
HK$165,836
baseline
▲ 0.50% · 4.625%
HK$174,578
+HK$8,742/mo
Deposit HK$13.29M · loan HK$31.01M · min. income ≈ HK$331,672/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,835
−HK$11,402/mo
▼ 0.25% · 3.875%
HK$187,491
−HK$5,746/mo
Today · 4.125%
HK$193,237
baseline
▲ 0.50% · 4.625%
HK$204,995
+HK$11,758/mo
Deposit HK$4.43M · loan HK$39.87M · min. income ≈ HK$386,474/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,289
−HK$10,929/mo
▼ 0.25% · 3.875%
HK$207,714
−HK$5,504/mo
Today · 4.125%
HK$213,218
baseline
▲ 0.50% · 4.625%
HK$224,457
+HK$11,239/mo
Deposit HK$4.43M · loan HK$39.87M · min. income ≈ HK$426,436/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,821 · Scale 2, in force from 26 Feb 2026)