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$101,046
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,189
−HK$3,193/mo
Today · 4.125%
HK$107,382
baseline
▲ 0.50% · 4.625%
HK$113,916
+HK$6,534/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$214,764/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,412
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,427
−HK$3,059/mo
Today · 4.125%
HK$118,486
baseline
▲ 0.50% · 4.625%
HK$124,731
+HK$6,245/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$236,972/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,255
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,027
−HK$3,832/mo
Today · 4.125%
HK$128,859
baseline
▲ 0.50% · 4.625%
HK$136,699
+HK$7,840/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$257,718/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,895
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,513
−HK$3,670/mo
Today · 4.125%
HK$142,183
baseline
▲ 0.50% · 4.625%
HK$149,677
+HK$7,494/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$284,366/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,464
−HK$8,871/mo
▼ 0.25% · 3.875%
HK$145,864
−HK$4,471/mo
Today · 4.125%
HK$150,335
baseline
▲ 0.50% · 4.625%
HK$159,483
+HK$9,148/mo
Deposit HK$13.29M · loan HK$31.02M · min. income ≈ HK$300,670/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,377
−HK$8,503/mo
▼ 0.25% · 3.875%
HK$161,598
−HK$4,282/mo
Today · 4.125%
HK$165,880
baseline
▲ 0.50% · 4.625%
HK$174,624
+HK$8,744/mo
Deposit HK$13.29M · loan HK$31.02M · min. income ≈ HK$331,760/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,882
−HK$11,406/mo
▼ 0.25% · 3.875%
HK$187,540
−HK$5,748/mo
Today · 4.125%
HK$193,288
baseline
▲ 0.50% · 4.625%
HK$205,049
+HK$11,761/mo
Deposit HK$4.43M · loan HK$39.88M · min. income ≈ HK$386,576/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,883,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,342
−HK$10,932/mo
▼ 0.25% · 3.875%
HK$207,769
−HK$5,505/mo
Today · 4.125%
HK$213,274
baseline
▲ 0.50% · 4.625%
HK$224,516
+HK$11,242/mo
Deposit HK$4.43M · loan HK$39.88M · min. income ≈ HK$426,548/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,883,316 · Scale 2, in force from 26 Feb 2026)