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$101,270
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,420
−HK$3,200/mo
Today · 4.125%
HK$107,620
baseline
▲ 0.50% · 4.625%
HK$114,169
+HK$6,549/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$215,240/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,887,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,662
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,683
−HK$3,066/mo
Today · 4.125%
HK$118,749
baseline
▲ 0.50% · 4.625%
HK$125,008
+HK$6,259/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$237,498/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,887,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,524
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$125,304
−HK$3,841/mo
Today · 4.125%
HK$129,145
baseline
▲ 0.50% · 4.625%
HK$137,003
+HK$7,858/mo
Deposit HK$17.76M · loan HK$26.65M · min. income ≈ HK$258,290/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,194
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$138,820
−HK$3,678/mo
Today · 4.125%
HK$142,498
baseline
▲ 0.50% · 4.625%
HK$150,010
+HK$7,512/mo
Deposit HK$17.76M · loan HK$26.65M · min. income ≈ HK$284,996/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,778
−HK$8,891/mo
▼ 0.25% · 3.875%
HK$146,188
−HK$4,481/mo
Today · 4.125%
HK$150,669
baseline
▲ 0.50% · 4.625%
HK$159,836
+HK$9,167/mo
Deposit HK$13.32M · loan HK$31.09M · min. income ≈ HK$301,338/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,727
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$161,957
−HK$4,291/mo
Today · 4.125%
HK$166,248
baseline
▲ 0.50% · 4.625%
HK$175,011
+HK$8,763/mo
Deposit HK$13.32M · loan HK$31.09M · min. income ≈ HK$332,496/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,286
−HK$11,431/mo
▼ 0.25% · 3.875%
HK$187,956
−HK$5,761/mo
Today · 4.125%
HK$193,717
baseline
▲ 0.50% · 4.625%
HK$205,504
+HK$11,787/mo
Deposit HK$4.44M · loan HK$39.97M · min. income ≈ HK$387,434/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,791
−HK$10,956/mo
▼ 0.25% · 3.875%
HK$208,230
−HK$5,517/mo
Today · 4.125%
HK$213,747
baseline
▲ 0.50% · 4.625%
HK$225,014
+HK$11,267/mo
Deposit HK$4.44M · loan HK$39.97M · min. income ≈ HK$427,494/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,496 · Scale 2, in force from 26 Feb 2026)