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$100,969
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,110
−HK$3,191/mo
Today · 4.125%
HK$107,301
baseline
▲ 0.50% · 4.625%
HK$113,830
+HK$6,529/mo
Deposit HK$22.14M · loan HK$22.14M · min. income ≈ HK$214,602/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,881,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,327
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,340
−HK$3,056/mo
Today · 4.125%
HK$118,396
baseline
▲ 0.50% · 4.625%
HK$124,637
+HK$6,241/mo
Deposit HK$22.14M · loan HK$22.14M · min. income ≈ HK$236,792/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,881,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,163
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$124,932
−HK$3,829/mo
Today · 4.125%
HK$128,761
baseline
▲ 0.50% · 4.625%
HK$136,596
+HK$7,835/mo
Deposit HK$17.71M · loan HK$26.57M · min. income ≈ HK$257,522/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,793
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$138,408
−HK$3,667/mo
Today · 4.125%
HK$142,075
baseline
▲ 0.50% · 4.625%
HK$149,564
+HK$7,489/mo
Deposit HK$17.71M · loan HK$26.57M · min. income ≈ HK$284,150/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,357
−HK$8,864/mo
▼ 0.25% · 3.875%
HK$145,754
−HK$4,467/mo
Today · 4.125%
HK$150,221
baseline
▲ 0.50% · 4.625%
HK$159,362
+HK$9,141/mo
Deposit HK$13.28M · loan HK$31.00M · min. income ≈ HK$300,442/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,881,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,258
−HK$8,496/mo
▼ 0.25% · 3.875%
HK$161,476
−HK$4,278/mo
Today · 4.125%
HK$165,754
baseline
▲ 0.50% · 4.625%
HK$174,491
+HK$8,737/mo
Deposit HK$13.28M · loan HK$31.00M · min. income ≈ HK$331,508/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,881,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,744
−HK$11,397/mo
▼ 0.25% · 3.875%
HK$187,398
−HK$5,743/mo
Today · 4.125%
HK$193,141
baseline
▲ 0.50% · 4.625%
HK$204,894
+HK$11,753/mo
Deposit HK$4.43M · loan HK$39.85M · min. income ≈ HK$386,282/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,189
−HK$10,924/mo
▼ 0.25% · 3.875%
HK$207,612
−HK$5,501/mo
Today · 4.125%
HK$213,113
baseline
▲ 0.50% · 4.625%
HK$224,346
+HK$11,233/mo
Deposit HK$4.43M · loan HK$39.85M · min. income ≈ HK$426,226/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,889 · Scale 2, in force from 26 Feb 2026)