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$100,789
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,924
−HK$3,185/mo
Today · 4.125%
HK$107,109
baseline
▲ 0.50% · 4.625%
HK$113,626
+HK$6,517/mo
Deposit HK$22.10M · loan HK$22.10M · min. income ≈ HK$214,218/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,126
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,134
−HK$3,050/mo
Today · 4.125%
HK$118,184
baseline
▲ 0.50% · 4.625%
HK$124,414
+HK$6,230/mo
Deposit HK$22.10M · loan HK$22.10M · min. income ≈ HK$236,368/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,946
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,709
−HK$3,822/mo
Today · 4.125%
HK$128,531
baseline
▲ 0.50% · 4.625%
HK$136,352
+HK$7,821/mo
Deposit HK$17.68M · loan HK$26.52M · min. income ≈ HK$257,062/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,552
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$138,160
−HK$3,661/mo
Today · 4.125%
HK$141,821
baseline
▲ 0.50% · 4.625%
HK$149,297
+HK$7,476/mo
Deposit HK$17.68M · loan HK$26.52M · min. income ≈ HK$283,642/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,104
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$145,493
−HK$4,460/mo
Today · 4.125%
HK$149,953
baseline
▲ 0.50% · 4.625%
HK$159,077
+HK$9,124/mo
Deposit HK$13.26M · loan HK$30.94M · min. income ≈ HK$299,906/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,977
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$161,187
−HK$4,271/mo
Today · 4.125%
HK$165,458
baseline
▲ 0.50% · 4.625%
HK$174,180
+HK$8,722/mo
Deposit HK$13.26M · loan HK$30.94M · min. income ≈ HK$330,916/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,420
−HK$11,376/mo
▼ 0.25% · 3.875%
HK$187,063
−HK$5,733/mo
Today · 4.125%
HK$192,796
baseline
▲ 0.50% · 4.625%
HK$204,528
+HK$11,732/mo
Deposit HK$4.42M · loan HK$39.78M · min. income ≈ HK$385,592/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,828
−HK$10,904/mo
▼ 0.25% · 3.875%
HK$207,241
−HK$5,491/mo
Today · 4.125%
HK$212,732
baseline
▲ 0.50% · 4.625%
HK$223,945
+HK$11,213/mo
Deposit HK$4.42M · loan HK$39.78M · min. income ≈ HK$425,464/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,526 · Scale 2, in force from 26 Feb 2026)