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$100,786
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,921
−HK$3,185/mo
Today · 4.125%
HK$107,106
baseline
▲ 0.50% · 4.625%
HK$113,623
+HK$6,517/mo
Deposit HK$22.10M · loan HK$22.10M · min. income ≈ HK$214,212/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,123
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,130
−HK$3,051/mo
Today · 4.125%
HK$118,181
baseline
▲ 0.50% · 4.625%
HK$124,410
+HK$6,229/mo
Deposit HK$22.10M · loan HK$22.10M · min. income ≈ HK$236,362/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,943
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$124,705
−HK$3,822/mo
Today · 4.125%
HK$128,527
baseline
▲ 0.50% · 4.625%
HK$136,348
+HK$7,821/mo
Deposit HK$17.68M · loan HK$26.52M · min. income ≈ HK$257,054/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,548
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$138,156
−HK$3,661/mo
Today · 4.125%
HK$141,817
baseline
▲ 0.50% · 4.625%
HK$149,292
+HK$7,475/mo
Deposit HK$17.68M · loan HK$26.52M · min. income ≈ HK$283,634/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,100
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$145,489
−HK$4,459/mo
Today · 4.125%
HK$149,948
baseline
▲ 0.50% · 4.625%
HK$159,072
+HK$9,124/mo
Deposit HK$13.26M · loan HK$30.94M · min. income ≈ HK$299,896/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,972
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$161,182
−HK$4,271/mo
Today · 4.125%
HK$165,453
baseline
▲ 0.50% · 4.625%
HK$174,174
+HK$8,721/mo
Deposit HK$13.26M · loan HK$30.94M · min. income ≈ HK$330,906/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,414
−HK$11,377/mo
▼ 0.25% · 3.875%
HK$187,057
−HK$5,734/mo
Today · 4.125%
HK$192,791
baseline
▲ 0.50% · 4.625%
HK$204,522
+HK$11,731/mo
Deposit HK$4.42M · loan HK$39.78M · min. income ≈ HK$385,582/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,822
−HK$10,904/mo
▼ 0.25% · 3.875%
HK$207,235
−HK$5,491/mo
Today · 4.125%
HK$212,726
baseline
▲ 0.50% · 4.625%
HK$223,939
+HK$11,213/mo
Deposit HK$4.42M · loan HK$39.78M · min. income ≈ HK$425,452/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,472 · Scale 2, in force from 26 Feb 2026)