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$101,285
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,436
−HK$3,201/mo
Today · 4.125%
HK$107,637
baseline
▲ 0.50% · 4.625%
HK$114,186
+HK$6,549/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$215,274/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,887,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,679
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,701
−HK$3,065/mo
Today · 4.125%
HK$118,766
baseline
▲ 0.50% · 4.625%
HK$125,027
+HK$6,261/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$237,532/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,887,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,542
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,323
−HK$3,841/mo
Today · 4.125%
HK$129,164
baseline
▲ 0.50% · 4.625%
HK$137,023
+HK$7,859/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$258,328/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,887,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,214
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,841
−HK$3,679/mo
Today · 4.125%
HK$142,520
baseline
▲ 0.50% · 4.625%
HK$150,032
+HK$7,512/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$285,040/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,887,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,799
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$146,210
−HK$4,481/mo
Today · 4.125%
HK$150,691
baseline
▲ 0.50% · 4.625%
HK$159,860
+HK$9,169/mo
Deposit HK$13.33M · loan HK$31.09M · min. income ≈ HK$301,382/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,750
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$161,981
−HK$4,292/mo
Today · 4.125%
HK$166,273
baseline
▲ 0.50% · 4.625%
HK$175,037
+HK$8,764/mo
Deposit HK$13.33M · loan HK$31.09M · min. income ≈ HK$332,546/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,313
−HK$11,433/mo
▼ 0.25% · 3.875%
HK$187,984
−HK$5,762/mo
Today · 4.125%
HK$193,746
baseline
▲ 0.50% · 4.625%
HK$205,535
+HK$11,789/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$387,492/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,821
−HK$10,958/mo
▼ 0.25% · 3.875%
HK$208,261
−HK$5,518/mo
Today · 4.125%
HK$213,779
baseline
▲ 0.50% · 4.625%
HK$225,048
+HK$11,269/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$427,558/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,777 · Scale 2, in force from 26 Feb 2026)