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$100,830
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,966
−HK$3,187/mo
Today · 4.125%
HK$107,153
baseline
▲ 0.50% · 4.625%
HK$113,673
+HK$6,520/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$214,306/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,172
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,180
−HK$3,052/mo
Today · 4.125%
HK$118,232
baseline
▲ 0.50% · 4.625%
HK$124,465
+HK$6,233/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$236,464/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,996
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,759
−HK$3,824/mo
Today · 4.125%
HK$128,583
baseline
▲ 0.50% · 4.625%
HK$136,407
+HK$7,824/mo
Deposit HK$17.69M · loan HK$26.53M · min. income ≈ HK$257,166/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,606
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,217
−HK$3,662/mo
Today · 4.125%
HK$141,879
baseline
▲ 0.50% · 4.625%
HK$149,357
+HK$7,478/mo
Deposit HK$17.69M · loan HK$26.53M · min. income ≈ HK$283,758/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,162
−HK$8,852/mo
▼ 0.25% · 3.875%
HK$145,553
−HK$4,461/mo
Today · 4.125%
HK$150,014
baseline
▲ 0.50% · 4.625%
HK$159,142
+HK$9,128/mo
Deposit HK$13.27M · loan HK$30.95M · min. income ≈ HK$300,028/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,879,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,041
−HK$8,484/mo
▼ 0.25% · 3.875%
HK$161,253
−HK$4,272/mo
Today · 4.125%
HK$165,525
baseline
▲ 0.50% · 4.625%
HK$174,250
+HK$8,725/mo
Deposit HK$13.27M · loan HK$30.95M · min. income ≈ HK$331,050/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,879,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,494
−HK$11,381/mo
▼ 0.25% · 3.875%
HK$187,139
−HK$5,736/mo
Today · 4.125%
HK$192,875
baseline
▲ 0.50% · 4.625%
HK$204,611
+HK$11,736/mo
Deposit HK$4.42M · loan HK$39.80M · min. income ≈ HK$385,750/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,910
−HK$10,908/mo
▼ 0.25% · 3.875%
HK$207,325
−HK$5,493/mo
Today · 4.125%
HK$212,818
baseline
▲ 0.50% · 4.625%
HK$224,036
+HK$11,218/mo
Deposit HK$4.42M · loan HK$39.80M · min. income ≈ HK$425,636/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,291 · Scale 2, in force from 26 Feb 2026)