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$101,283
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,433
−HK$3,201/mo
Today · 4.125%
HK$107,634
baseline
▲ 0.50% · 4.625%
HK$114,183
+HK$6,549/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$215,268/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,887,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,676
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,698
−HK$3,065/mo
Today · 4.125%
HK$118,763
baseline
▲ 0.50% · 4.625%
HK$125,023
+HK$6,260/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$237,526/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,887,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,539
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,320
−HK$3,841/mo
Today · 4.125%
HK$129,161
baseline
▲ 0.50% · 4.625%
HK$137,020
+HK$7,859/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$258,322/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,211
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,837
−HK$3,679/mo
Today · 4.125%
HK$142,516
baseline
▲ 0.50% · 4.625%
HK$150,028
+HK$7,512/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$285,032/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,796
−HK$8,891/mo
▼ 0.25% · 3.875%
HK$146,206
−HK$4,481/mo
Today · 4.125%
HK$150,687
baseline
▲ 0.50% · 4.625%
HK$159,856
+HK$9,169/mo
Deposit HK$13.33M · loan HK$31.09M · min. income ≈ HK$301,374/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,746
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$161,977
−HK$4,292/mo
Today · 4.125%
HK$166,269
baseline
▲ 0.50% · 4.625%
HK$175,033
+HK$8,764/mo
Deposit HK$13.33M · loan HK$31.09M · min. income ≈ HK$332,538/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,309
−HK$11,432/mo
▼ 0.25% · 3.875%
HK$187,979
−HK$5,762/mo
Today · 4.125%
HK$193,741
baseline
▲ 0.50% · 4.625%
HK$205,530
+HK$11,789/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$387,482/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,816
−HK$10,958/mo
▼ 0.25% · 3.875%
HK$208,256
−HK$5,518/mo
Today · 4.125%
HK$213,774
baseline
▲ 0.50% · 4.625%
HK$225,042
+HK$11,268/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$427,548/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,730 · Scale 2, in force from 26 Feb 2026)