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$100,697
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,829
−HK$3,183/mo
Today · 4.125%
HK$107,012
baseline
▲ 0.50% · 4.625%
HK$113,523
+HK$6,511/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$214,024/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,025
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,029
−HK$3,048/mo
Today · 4.125%
HK$118,077
baseline
▲ 0.50% · 4.625%
HK$124,301
+HK$6,224/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$236,154/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,837
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$124,595
−HK$3,819/mo
Today · 4.125%
HK$128,414
baseline
▲ 0.50% · 4.625%
HK$136,228
+HK$7,814/mo
Deposit HK$17.66M · loan HK$26.50M · min. income ≈ HK$256,828/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,429
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$138,035
−HK$3,657/mo
Today · 4.125%
HK$141,692
baseline
▲ 0.50% · 4.625%
HK$149,161
+HK$7,469/mo
Deposit HK$17.66M · loan HK$26.50M · min. income ≈ HK$283,384/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,976
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$145,361
−HK$4,455/mo
Today · 4.125%
HK$149,816
baseline
▲ 0.50% · 4.625%
HK$158,932
+HK$9,116/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$299,632/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,834
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$161,041
−HK$4,267/mo
Today · 4.125%
HK$165,308
baseline
▲ 0.50% · 4.625%
HK$174,021
+HK$8,713/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$330,616/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,255
−HK$11,366/mo
▼ 0.25% · 3.875%
HK$186,893
−HK$5,728/mo
Today · 4.125%
HK$192,621
baseline
▲ 0.50% · 4.625%
HK$204,342
+HK$11,721/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$385,242/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,644
−HK$10,894/mo
▼ 0.25% · 3.875%
HK$207,052
−HK$5,486/mo
Today · 4.125%
HK$212,538
baseline
▲ 0.50% · 4.625%
HK$223,742
+HK$11,204/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$425,076/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,820 · Scale 2, in force from 26 Feb 2026)