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$101,295
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,446
−HK$3,201/mo
Today · 4.125%
HK$107,647
baseline
▲ 0.50% · 4.625%
HK$114,198
+HK$6,551/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$215,294/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,887,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,690
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,712
−HK$3,066/mo
Today · 4.125%
HK$118,778
baseline
▲ 0.50% · 4.625%
HK$125,039
+HK$6,261/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$237,556/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$1,887,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,554
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$125,335
−HK$3,842/mo
Today · 4.125%
HK$129,177
baseline
▲ 0.50% · 4.625%
HK$137,037
+HK$7,860/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$258,354/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,887,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,228
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,855
−HK$3,679/mo
Today · 4.125%
HK$142,534
baseline
▲ 0.50% · 4.625%
HK$150,047
+HK$7,513/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$285,068/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,887,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,814
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$146,225
−HK$4,481/mo
Today · 4.125%
HK$150,706
baseline
▲ 0.50% · 4.625%
HK$159,877
+HK$9,171/mo
Deposit HK$13.33M · loan HK$31.10M · min. income ≈ HK$301,412/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,766
−HK$8,524/mo
▼ 0.25% · 3.875%
HK$161,997
−HK$4,293/mo
Today · 4.125%
HK$166,290
baseline
▲ 0.50% · 4.625%
HK$175,055
+HK$8,765/mo
Deposit HK$13.33M · loan HK$31.10M · min. income ≈ HK$332,580/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,332
−HK$11,433/mo
▼ 0.25% · 3.875%
HK$188,003
−HK$5,762/mo
Today · 4.125%
HK$193,765
baseline
▲ 0.50% · 4.625%
HK$205,556
+HK$11,791/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$387,530/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,842
−HK$10,959/mo
▼ 0.25% · 3.875%
HK$208,282
−HK$5,519/mo
Today · 4.125%
HK$213,801
baseline
▲ 0.50% · 4.625%
HK$225,071
+HK$11,270/mo
Deposit HK$4.44M · loan HK$39.98M · min. income ≈ HK$427,602/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,969 · Scale 2, in force from 26 Feb 2026)