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$100,626
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,756
−HK$3,180/mo
Today · 4.125%
HK$106,936
baseline
▲ 0.50% · 4.625%
HK$113,443
+HK$6,507/mo
Deposit HK$22.06M · loan HK$22.06M · min. income ≈ HK$213,872/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$1,875,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,946
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,948
−HK$3,046/mo
Today · 4.125%
HK$117,994
baseline
▲ 0.50% · 4.625%
HK$124,213
+HK$6,219/mo
Deposit HK$22.06M · loan HK$22.06M · min. income ≈ HK$235,988/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$1,875,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,752
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,508
−HK$3,816/mo
Today · 4.125%
HK$128,324
baseline
▲ 0.50% · 4.625%
HK$136,132
+HK$7,808/mo
Deposit HK$17.65M · loan HK$26.48M · min. income ≈ HK$256,648/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,335
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$137,938
−HK$3,655/mo
Today · 4.125%
HK$141,593
baseline
▲ 0.50% · 4.625%
HK$149,056
+HK$7,463/mo
Deposit HK$17.65M · loan HK$26.48M · min. income ≈ HK$283,186/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,877
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$145,259
−HK$4,452/mo
Today · 4.125%
HK$149,711
baseline
▲ 0.50% · 4.625%
HK$158,821
+HK$9,110/mo
Deposit HK$13.24M · loan HK$30.89M · min. income ≈ HK$299,422/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,875,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,724
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$160,927
−HK$4,264/mo
Today · 4.125%
HK$165,191
baseline
▲ 0.50% · 4.625%
HK$173,899
+HK$8,708/mo
Deposit HK$13.24M · loan HK$30.89M · min. income ≈ HK$330,382/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,875,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,127
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$186,761
−HK$5,725/mo
Today · 4.125%
HK$192,486
baseline
▲ 0.50% · 4.625%
HK$204,198
+HK$11,712/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$384,972/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,502
−HK$10,887/mo
▼ 0.25% · 3.875%
HK$206,906
−HK$5,483/mo
Today · 4.125%
HK$212,389
baseline
▲ 0.50% · 4.625%
HK$223,584
+HK$11,195/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$424,778/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,499 · Scale 2, in force from 26 Feb 2026)