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$101,563
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,723
−HK$3,209/mo
Today · 4.125%
HK$107,932
baseline
▲ 0.50% · 4.625%
HK$114,500
+HK$6,568/mo
Deposit HK$22.27M · loan HK$22.27M · min. income ≈ HK$215,864/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,892,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,988
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,019
−HK$3,074/mo
Today · 4.125%
HK$119,093
baseline
▲ 0.50% · 4.625%
HK$125,370
+HK$6,277/mo
Deposit HK$22.27M · loan HK$22.27M · min. income ≈ HK$238,186/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,892,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,876
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$125,667
−HK$3,852/mo
Today · 4.125%
HK$129,519
baseline
▲ 0.50% · 4.625%
HK$137,400
+HK$7,881/mo
Deposit HK$17.82M · loan HK$26.72M · min. income ≈ HK$259,038/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,892,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,586
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$139,222
−HK$3,689/mo
Today · 4.125%
HK$142,911
baseline
▲ 0.50% · 4.625%
HK$150,444
+HK$7,533/mo
Deposit HK$17.82M · loan HK$26.72M · min. income ≈ HK$285,822/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,892,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,189
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$146,612
−HK$4,493/mo
Today · 4.125%
HK$151,105
baseline
▲ 0.50% · 4.625%
HK$160,300
+HK$9,195/mo
Deposit HK$13.36M · loan HK$31.18M · min. income ≈ HK$302,210/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,892,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,184
−HK$8,546/mo
▼ 0.25% · 3.875%
HK$162,426
−HK$4,304/mo
Today · 4.125%
HK$166,730
baseline
▲ 0.50% · 4.625%
HK$175,518
+HK$8,788/mo
Deposit HK$13.36M · loan HK$31.18M · min. income ≈ HK$333,460/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,892,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,814
−HK$11,464/mo
▼ 0.25% · 3.875%
HK$188,501
−HK$5,777/mo
Today · 4.125%
HK$194,278
baseline
▲ 0.50% · 4.625%
HK$206,099
+HK$11,821/mo
Deposit HK$4.45M · loan HK$40.09M · min. income ≈ HK$388,556/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,892,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,379
−HK$10,988/mo
▼ 0.25% · 3.875%
HK$208,833
−HK$5,534/mo
Today · 4.125%
HK$214,367
baseline
▲ 0.50% · 4.625%
HK$225,666
+HK$11,299/mo
Deposit HK$4.45M · loan HK$40.09M · min. income ≈ HK$428,734/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,892,965 · Scale 2, in force from 26 Feb 2026)