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$100,885
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,023
−HK$3,188/mo
Today · 4.125%
HK$107,211
baseline
▲ 0.50% · 4.625%
HK$113,735
+HK$6,524/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$214,422/mo (50% DSR)
Upfront cash ≈ HK$24.00M (deposit + AVD stamp duty HK$1,880,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,233
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,243
−HK$3,054/mo
Today · 4.125%
HK$118,297
baseline
▲ 0.50% · 4.625%
HK$124,533
+HK$6,236/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$236,594/mo (50% DSR)
Upfront cash ≈ HK$24.00M (deposit + AVD stamp duty HK$1,880,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,062
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$124,828
−HK$3,825/mo
Today · 4.125%
HK$128,653
baseline
▲ 0.50% · 4.625%
HK$136,482
+HK$7,829/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$257,306/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,680
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$138,292
−HK$3,664/mo
Today · 4.125%
HK$141,956
baseline
▲ 0.50% · 4.625%
HK$149,439
+HK$7,483/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$283,912/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,239
−HK$8,857/mo
▼ 0.25% · 3.875%
HK$145,632
−HK$4,464/mo
Today · 4.125%
HK$150,096
baseline
▲ 0.50% · 4.625%
HK$159,229
+HK$9,133/mo
Deposit HK$13.27M · loan HK$30.97M · min. income ≈ HK$300,192/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,880,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,127
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$161,341
−HK$4,275/mo
Today · 4.125%
HK$165,616
baseline
▲ 0.50% · 4.625%
HK$174,346
+HK$8,730/mo
Deposit HK$13.27M · loan HK$30.97M · min. income ≈ HK$331,232/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,880,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,593
−HK$11,387/mo
▼ 0.25% · 3.875%
HK$187,241
−HK$5,739/mo
Today · 4.125%
HK$192,980
baseline
▲ 0.50% · 4.625%
HK$204,723
+HK$11,743/mo
Deposit HK$4.42M · loan HK$39.82M · min. income ≈ HK$385,960/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,880,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,020
−HK$10,915/mo
▼ 0.25% · 3.875%
HK$207,438
−HK$5,497/mo
Today · 4.125%
HK$212,935
baseline
▲ 0.50% · 4.625%
HK$224,159
+HK$11,224/mo
Deposit HK$4.42M · loan HK$39.82M · min. income ≈ HK$425,870/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,880,318 · Scale 2, in force from 26 Feb 2026)