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$100,847
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,984
−HK$3,187/mo
Today · 4.125%
HK$107,171
baseline
▲ 0.50% · 4.625%
HK$113,692
+HK$6,521/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$214,342/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,191
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,200
−HK$3,053/mo
Today · 4.125%
HK$118,253
baseline
▲ 0.50% · 4.625%
HK$124,486
+HK$6,233/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$236,506/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,017
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,781
−HK$3,824/mo
Today · 4.125%
HK$128,605
baseline
▲ 0.50% · 4.625%
HK$136,431
+HK$7,826/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$257,210/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,630
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,240
−HK$3,663/mo
Today · 4.125%
HK$141,903
baseline
▲ 0.50% · 4.625%
HK$149,383
+HK$7,480/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$283,806/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,186
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$145,578
−HK$4,462/mo
Today · 4.125%
HK$150,040
baseline
▲ 0.50% · 4.625%
HK$159,169
+HK$9,129/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$300,080/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,068
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$161,280
−HK$4,274/mo
Today · 4.125%
HK$165,554
baseline
▲ 0.50% · 4.625%
HK$174,280
+HK$8,726/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$331,108/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,525
−HK$11,383/mo
▼ 0.25% · 3.875%
HK$187,171
−HK$5,737/mo
Today · 4.125%
HK$192,908
baseline
▲ 0.50% · 4.625%
HK$204,646
+HK$11,738/mo
Deposit HK$4.42M · loan HK$39.80M · min. income ≈ HK$385,816/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,945
−HK$10,910/mo
▼ 0.25% · 3.875%
HK$207,361
−HK$5,494/mo
Today · 4.125%
HK$212,855
baseline
▲ 0.50% · 4.625%
HK$224,075
+HK$11,220/mo
Deposit HK$4.42M · loan HK$39.80M · min. income ≈ HK$425,710/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,615 · Scale 2, in force from 26 Feb 2026)