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$100,685
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,817
−HK$3,182/mo
Today · 4.125%
HK$106,999
baseline
▲ 0.50% · 4.625%
HK$113,509
+HK$6,510/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$213,998/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,876,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,011
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,015
−HK$3,048/mo
Today · 4.125%
HK$118,063
baseline
▲ 0.50% · 4.625%
HK$124,286
+HK$6,223/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$236,126/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,876,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,822
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$124,580
−HK$3,819/mo
Today · 4.125%
HK$128,399
baseline
▲ 0.50% · 4.625%
HK$136,211
+HK$7,812/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$256,798/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,413
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$138,018
−HK$3,657/mo
Today · 4.125%
HK$141,675
baseline
▲ 0.50% · 4.625%
HK$149,143
+HK$7,468/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$283,350/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,959
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$145,344
−HK$4,454/mo
Today · 4.125%
HK$149,798
baseline
▲ 0.50% · 4.625%
HK$158,913
+HK$9,115/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$299,596/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,815
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$161,021
−HK$4,267/mo
Today · 4.125%
HK$165,288
baseline
▲ 0.50% · 4.625%
HK$174,000
+HK$8,712/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$330,576/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,233
−HK$11,365/mo
▼ 0.25% · 3.875%
HK$186,870
−HK$5,728/mo
Today · 4.125%
HK$192,598
baseline
▲ 0.50% · 4.625%
HK$204,317
+HK$11,719/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$385,196/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,620
−HK$10,893/mo
▼ 0.25% · 3.875%
HK$207,027
−HK$5,486/mo
Today · 4.125%
HK$212,513
baseline
▲ 0.50% · 4.625%
HK$223,715
+HK$11,202/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$425,026/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,593 · Scale 2, in force from 26 Feb 2026)