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$101,348
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,500
−HK$3,203/mo
Today · 4.125%
HK$107,703
baseline
▲ 0.50% · 4.625%
HK$114,257
+HK$6,554/mo
Deposit HK$22.22M · loan HK$22.22M · min. income ≈ HK$215,406/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$1,888,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,748
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,772
−HK$3,068/mo
Today · 4.125%
HK$118,840
baseline
▲ 0.50% · 4.625%
HK$125,104
+HK$6,264/mo
Deposit HK$22.22M · loan HK$22.22M · min. income ≈ HK$237,680/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$1,888,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,617
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,400
−HK$3,844/mo
Today · 4.125%
HK$129,244
baseline
▲ 0.50% · 4.625%
HK$137,108
+HK$7,864/mo
Deposit HK$17.78M · loan HK$26.67M · min. income ≈ HK$258,488/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,888,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,298
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,927
−HK$3,681/mo
Today · 4.125%
HK$142,608
baseline
▲ 0.50% · 4.625%
HK$150,125
+HK$7,517/mo
Deposit HK$17.78M · loan HK$26.67M · min. income ≈ HK$285,216/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,888,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,887
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$146,300
−HK$4,484/mo
Today · 4.125%
HK$150,784
baseline
▲ 0.50% · 4.625%
HK$159,959
+HK$9,175/mo
Deposit HK$13.33M · loan HK$31.11M · min. income ≈ HK$301,568/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,848
−HK$8,528/mo
▼ 0.25% · 3.875%
HK$162,081
−HK$4,295/mo
Today · 4.125%
HK$166,376
baseline
▲ 0.50% · 4.625%
HK$175,146
+HK$8,770/mo
Deposit HK$13.33M · loan HK$31.11M · min. income ≈ HK$332,752/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,426
−HK$11,440/mo
▼ 0.25% · 3.875%
HK$188,100
−HK$5,766/mo
Today · 4.125%
HK$193,866
baseline
▲ 0.50% · 4.625%
HK$205,662
+HK$11,796/mo
Deposit HK$4.44M · loan HK$40.00M · min. income ≈ HK$387,732/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,947
−HK$10,965/mo
▼ 0.25% · 3.875%
HK$208,390
−HK$5,522/mo
Today · 4.125%
HK$213,912
baseline
▲ 0.50% · 4.625%
HK$225,187
+HK$11,275/mo
Deposit HK$4.44M · loan HK$40.00M · min. income ≈ HK$427,824/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,945 · Scale 2, in force from 26 Feb 2026)