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$100,927
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,066
−HK$3,190/mo
Today · 4.125%
HK$107,256
baseline
▲ 0.50% · 4.625%
HK$113,782
+HK$6,526/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,512/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,280
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,291
−HK$3,055/mo
Today · 4.125%
HK$118,346
baseline
▲ 0.50% · 4.625%
HK$124,584
+HK$6,238/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,692/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,112
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$124,879
−HK$3,828/mo
Today · 4.125%
HK$128,707
baseline
▲ 0.50% · 4.625%
HK$136,538
+HK$7,831/mo
Deposit HK$17.70M · loan HK$26.56M · min. income ≈ HK$257,414/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,736
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,349
−HK$3,666/mo
Today · 4.125%
HK$142,015
baseline
▲ 0.50% · 4.625%
HK$149,501
+HK$7,486/mo
Deposit HK$17.70M · loan HK$26.56M · min. income ≈ HK$284,030/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,297
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$145,692
−HK$4,466/mo
Today · 4.125%
HK$150,158
baseline
▲ 0.50% · 4.625%
HK$159,295
+HK$9,137/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$300,316/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,192
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$161,408
−HK$4,276/mo
Today · 4.125%
HK$165,684
baseline
▲ 0.50% · 4.625%
HK$174,418
+HK$8,734/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$331,368/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,668
−HK$11,392/mo
▼ 0.25% · 3.875%
HK$187,319
−HK$5,741/mo
Today · 4.125%
HK$193,060
baseline
▲ 0.50% · 4.625%
HK$204,807
+HK$11,747/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$386,120/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,104
−HK$10,919/mo
▼ 0.25% · 3.875%
HK$207,524
−HK$5,499/mo
Today · 4.125%
HK$213,023
baseline
▲ 0.50% · 4.625%
HK$224,251
+HK$11,228/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$426,046/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,096 · Scale 2, in force from 26 Feb 2026)