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$100,369
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,491
−HK$3,172/mo
Today · 4.125%
HK$106,663
baseline
▲ 0.50% · 4.625%
HK$113,153
+HK$6,490/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$213,326/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,660
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,654
−HK$3,038/mo
Today · 4.125%
HK$117,692
baseline
▲ 0.50% · 4.625%
HK$123,896
+HK$6,204/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$235,384/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,443
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,189
−HK$3,807/mo
Today · 4.125%
HK$127,996
baseline
▲ 0.50% · 4.625%
HK$135,784
+HK$7,788/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$255,992/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,991
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$137,585
−HK$3,646/mo
Today · 4.125%
HK$141,231
baseline
▲ 0.50% · 4.625%
HK$148,675
+HK$7,444/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$282,462/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,517
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$144,888
−HK$4,440/mo
Today · 4.125%
HK$149,328
baseline
▲ 0.50% · 4.625%
HK$158,415
+HK$9,087/mo
Deposit HK$13.20M · loan HK$30.81M · min. income ≈ HK$298,656/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,323
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$160,516
−HK$4,253/mo
Today · 4.125%
HK$164,769
baseline
▲ 0.50% · 4.625%
HK$173,454
+HK$8,685/mo
Deposit HK$13.20M · loan HK$30.81M · min. income ≈ HK$329,538/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,664
−HK$11,330/mo
▼ 0.25% · 3.875%
HK$186,284
−HK$5,710/mo
Today · 4.125%
HK$191,994
baseline
▲ 0.50% · 4.625%
HK$203,676
+HK$11,682/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$383,988/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,987
−HK$10,859/mo
▼ 0.25% · 3.875%
HK$206,378
−HK$5,468/mo
Today · 4.125%
HK$211,846
baseline
▲ 0.50% · 4.625%
HK$223,013
+HK$11,167/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$423,692/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,705 · Scale 2, in force from 26 Feb 2026)