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$101,310
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,461
−HK$3,202/mo
Today · 4.125%
HK$107,663
baseline
▲ 0.50% · 4.625%
HK$114,214
+HK$6,551/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$215,326/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,888,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,706
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,729
−HK$3,066/mo
Today · 4.125%
HK$118,795
baseline
▲ 0.50% · 4.625%
HK$125,057
+HK$6,262/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$237,590/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,888,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,572
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$125,353
−HK$3,843/mo
Today · 4.125%
HK$129,196
baseline
▲ 0.50% · 4.625%
HK$137,057
+HK$7,861/mo
Deposit HK$17.77M · loan HK$26.66M · min. income ≈ HK$258,392/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,888,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,248
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$138,875
−HK$3,680/mo
Today · 4.125%
HK$142,555
baseline
▲ 0.50% · 4.625%
HK$150,069
+HK$7,514/mo
Deposit HK$17.77M · loan HK$26.66M · min. income ≈ HK$285,110/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,888,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,834
−HK$8,894/mo
▼ 0.25% · 3.875%
HK$146,246
−HK$4,482/mo
Today · 4.125%
HK$150,728
baseline
▲ 0.50% · 4.625%
HK$159,900
+HK$9,172/mo
Deposit HK$13.33M · loan HK$31.10M · min. income ≈ HK$301,456/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,789
−HK$8,525/mo
▼ 0.25% · 3.875%
HK$162,021
−HK$4,293/mo
Today · 4.125%
HK$166,314
baseline
▲ 0.50% · 4.625%
HK$175,080
+HK$8,766/mo
Deposit HK$13.33M · loan HK$31.10M · min. income ≈ HK$332,628/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,358
−HK$11,435/mo
▼ 0.25% · 3.875%
HK$188,030
−HK$5,763/mo
Today · 4.125%
HK$193,793
baseline
▲ 0.50% · 4.625%
HK$205,585
+HK$11,792/mo
Deposit HK$4.44M · loan HK$39.99M · min. income ≈ HK$387,586/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,871
−HK$10,961/mo
▼ 0.25% · 3.875%
HK$208,312
−HK$5,520/mo
Today · 4.125%
HK$213,832
baseline
▲ 0.50% · 4.625%
HK$225,103
+HK$11,271/mo
Deposit HK$4.44M · loan HK$39.99M · min. income ≈ HK$427,664/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,241 · Scale 2, in force from 26 Feb 2026)