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$100,529
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,656
−HK$3,177/mo
Today · 4.125%
HK$106,833
baseline
▲ 0.50% · 4.625%
HK$113,334
+HK$6,501/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$213,666/mo (50% DSR)
Upfront cash ≈ HK$23.92M (deposit + AVD stamp duty HK$1,873,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,837
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,837
−HK$3,043/mo
Today · 4.125%
HK$117,880
baseline
▲ 0.50% · 4.625%
HK$124,093
+HK$6,213/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$235,760/mo (50% DSR)
Upfront cash ≈ HK$23.92M (deposit + AVD stamp duty HK$1,873,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,635
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$124,387
−HK$3,813/mo
Today · 4.125%
HK$128,200
baseline
▲ 0.50% · 4.625%
HK$136,000
+HK$7,800/mo
Deposit HK$17.63M · loan HK$26.45M · min. income ≈ HK$256,400/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,873,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,205
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$137,804
−HK$3,652/mo
Today · 4.125%
HK$141,456
baseline
▲ 0.50% · 4.625%
HK$148,912
+HK$7,456/mo
Deposit HK$17.63M · loan HK$26.45M · min. income ≈ HK$282,912/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,873,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,741
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$145,118
−HK$4,448/mo
Today · 4.125%
HK$149,566
baseline
▲ 0.50% · 4.625%
HK$158,667
+HK$9,101/mo
Deposit HK$13.23M · loan HK$30.86M · min. income ≈ HK$299,132/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,572
−HK$8,460/mo
▼ 0.25% · 3.875%
HK$160,772
−HK$4,260/mo
Today · 4.125%
HK$165,032
baseline
▲ 0.50% · 4.625%
HK$173,731
+HK$8,699/mo
Deposit HK$13.23M · loan HK$30.86M · min. income ≈ HK$330,064/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,952
−HK$11,347/mo
▼ 0.25% · 3.875%
HK$186,581
−HK$5,718/mo
Today · 4.125%
HK$192,299
baseline
▲ 0.50% · 4.625%
HK$204,000
+HK$11,701/mo
Deposit HK$4.41M · loan HK$39.68M · min. income ≈ HK$384,598/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,307
−HK$10,876/mo
▼ 0.25% · 3.875%
HK$206,706
−HK$5,477/mo
Today · 4.125%
HK$212,183
baseline
▲ 0.50% · 4.625%
HK$223,368
+HK$11,185/mo
Deposit HK$4.41M · loan HK$39.68M · min. income ≈ HK$424,366/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,684 · Scale 2, in force from 26 Feb 2026)