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$100,316
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$103,436
−HK$3,171/mo
Today · 4.125%
HK$106,607
baseline
▲ 0.50% · 4.625%
HK$113,093
+HK$6,486/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$213,214/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,869,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,600
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,593
−HK$3,037/mo
Today · 4.125%
HK$117,630
baseline
▲ 0.50% · 4.625%
HK$123,830
+HK$6,200/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$235,260/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,869,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,379
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,124
−HK$3,804/mo
Today · 4.125%
HK$127,928
baseline
▲ 0.50% · 4.625%
HK$135,712
+HK$7,784/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$255,856/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,869,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,920
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,512
−HK$3,644/mo
Today · 4.125%
HK$141,156
baseline
▲ 0.50% · 4.625%
HK$148,596
+HK$7,440/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$282,312/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,869,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,442
−HK$8,807/mo
▼ 0.25% · 3.875%
HK$144,811
−HK$4,438/mo
Today · 4.125%
HK$149,249
baseline
▲ 0.50% · 4.625%
HK$158,331
+HK$9,082/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$298,498/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,869,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,241
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$160,431
−HK$4,251/mo
Today · 4.125%
HK$164,682
baseline
▲ 0.50% · 4.625%
HK$173,362
+HK$8,680/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$329,364/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,869,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,569
−HK$11,323/mo
▼ 0.25% · 3.875%
HK$186,185
−HK$5,707/mo
Today · 4.125%
HK$191,892
baseline
▲ 0.50% · 4.625%
HK$203,568
+HK$11,676/mo
Deposit HK$4.40M · loan HK$39.59M · min. income ≈ HK$383,784/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,881
−HK$10,853/mo
▼ 0.25% · 3.875%
HK$206,268
−HK$5,466/mo
Today · 4.125%
HK$211,734
baseline
▲ 0.50% · 4.625%
HK$222,894
+HK$11,160/mo
Deposit HK$4.40M · loan HK$39.59M · min. income ≈ HK$423,468/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,869,713 · Scale 2, in force from 26 Feb 2026)