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$101,457
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,613
−HK$3,207/mo
Today · 4.125%
HK$107,820
baseline
▲ 0.50% · 4.625%
HK$114,380
+HK$6,560/mo
Deposit HK$22.25M · loan HK$22.25M · min. income ≈ HK$215,640/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$1,890,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,870
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,897
−HK$3,071/mo
Today · 4.125%
HK$118,968
baseline
▲ 0.50% · 4.625%
HK$125,239
+HK$6,271/mo
Deposit HK$22.25M · loan HK$22.25M · min. income ≈ HK$237,936/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$1,890,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,749
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,536
−HK$3,847/mo
Today · 4.125%
HK$129,383
baseline
▲ 0.50% · 4.625%
HK$137,256
+HK$7,873/mo
Deposit HK$17.80M · loan HK$26.70M · min. income ≈ HK$258,766/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,890,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,444
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,077
−HK$3,685/mo
Today · 4.125%
HK$142,762
baseline
▲ 0.50% · 4.625%
HK$150,287
+HK$7,525/mo
Deposit HK$17.80M · loan HK$26.70M · min. income ≈ HK$285,524/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,890,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,040
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$146,458
−HK$4,489/mo
Today · 4.125%
HK$150,947
baseline
▲ 0.50% · 4.625%
HK$160,132
+HK$9,185/mo
Deposit HK$13.35M · loan HK$31.15M · min. income ≈ HK$301,894/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,890,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,018
−HK$8,538/mo
▼ 0.25% · 3.875%
HK$162,256
−HK$4,300/mo
Today · 4.125%
HK$166,556
baseline
▲ 0.50% · 4.625%
HK$175,335
+HK$8,779/mo
Deposit HK$13.35M · loan HK$31.15M · min. income ≈ HK$333,112/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,890,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,623
−HK$11,452/mo
▼ 0.25% · 3.875%
HK$188,304
−HK$5,771/mo
Today · 4.125%
HK$194,075
baseline
▲ 0.50% · 4.625%
HK$205,884
+HK$11,809/mo
Deposit HK$4.45M · loan HK$40.04M · min. income ≈ HK$388,150/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,166
−HK$10,977/mo
▼ 0.25% · 3.875%
HK$208,615
−HK$5,528/mo
Today · 4.125%
HK$214,143
baseline
▲ 0.50% · 4.625%
HK$225,431
+HK$11,288/mo
Deposit HK$4.45M · loan HK$40.04M · min. income ≈ HK$428,286/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,987 · Scale 2, in force from 26 Feb 2026)