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$100,417
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,541
−HK$3,173/mo
Today · 4.125%
HK$106,714
baseline
▲ 0.50% · 4.625%
HK$113,208
+HK$6,494/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$213,428/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,713
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,709
−HK$3,040/mo
Today · 4.125%
HK$117,749
baseline
▲ 0.50% · 4.625%
HK$123,955
+HK$6,206/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$235,498/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,501
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,249
−HK$3,808/mo
Today · 4.125%
HK$128,057
baseline
▲ 0.50% · 4.625%
HK$135,849
+HK$7,792/mo
Deposit HK$17.62M · loan HK$26.42M · min. income ≈ HK$256,114/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,871,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,056
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,651
−HK$3,648/mo
Today · 4.125%
HK$141,299
baseline
▲ 0.50% · 4.625%
HK$148,747
+HK$7,448/mo
Deposit HK$17.62M · loan HK$26.42M · min. income ≈ HK$282,598/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,871,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,584
−HK$8,816/mo
▼ 0.25% · 3.875%
HK$144,957
−HK$4,443/mo
Today · 4.125%
HK$149,400
baseline
▲ 0.50% · 4.625%
HK$158,491
+HK$9,091/mo
Deposit HK$13.21M · loan HK$30.83M · min. income ≈ HK$298,800/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,399
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$160,593
−HK$4,255/mo
Today · 4.125%
HK$164,848
baseline
▲ 0.50% · 4.625%
HK$173,538
+HK$8,690/mo
Deposit HK$13.21M · loan HK$30.83M · min. income ≈ HK$329,696/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,751
−HK$11,335/mo
▼ 0.25% · 3.875%
HK$186,374
−HK$5,712/mo
Today · 4.125%
HK$192,086
baseline
▲ 0.50% · 4.625%
HK$203,774
+HK$11,688/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$384,172/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,871,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,084
−HK$10,864/mo
▼ 0.25% · 3.875%
HK$206,477
−HK$5,471/mo
Today · 4.125%
HK$211,948
baseline
▲ 0.50% · 4.625%
HK$223,120
+HK$11,172/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$423,896/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,871,604 · Scale 2, in force from 26 Feb 2026)