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$101,430
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$104,585
−HK$3,205/mo
Today · 4.125%
HK$107,790
baseline
▲ 0.50% · 4.625%
HK$114,349
+HK$6,559/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$215,580/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,840
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,866
−HK$3,070/mo
Today · 4.125%
HK$118,936
baseline
▲ 0.50% · 4.625%
HK$125,205
+HK$6,269/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$237,872/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,716
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$125,502
−HK$3,847/mo
Today · 4.125%
HK$129,349
baseline
▲ 0.50% · 4.625%
HK$137,219
+HK$7,870/mo
Deposit HK$17.79M · loan HK$26.69M · min. income ≈ HK$258,698/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,408
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$139,039
−HK$3,684/mo
Today · 4.125%
HK$142,723
baseline
▲ 0.50% · 4.625%
HK$150,247
+HK$7,524/mo
Deposit HK$17.79M · loan HK$26.69M · min. income ≈ HK$285,446/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,002
−HK$8,905/mo
▼ 0.25% · 3.875%
HK$146,419
−HK$4,488/mo
Today · 4.125%
HK$150,907
baseline
▲ 0.50% · 4.625%
HK$160,089
+HK$9,182/mo
Deposit HK$13.34M · loan HK$31.14M · min. income ≈ HK$301,814/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,890,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,976
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$162,212
−HK$4,299/mo
Today · 4.125%
HK$166,511
baseline
▲ 0.50% · 4.625%
HK$175,288
+HK$8,777/mo
Deposit HK$13.34M · loan HK$31.14M · min. income ≈ HK$333,022/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,890,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,574
−HK$11,449/mo
▼ 0.25% · 3.875%
HK$188,253
−HK$5,770/mo
Today · 4.125%
HK$194,023
baseline
▲ 0.50% · 4.625%
HK$205,829
+HK$11,806/mo
Deposit HK$4.45M · loan HK$40.03M · min. income ≈ HK$388,046/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,112
−HK$10,973/mo
▼ 0.25% · 3.875%
HK$208,559
−HK$5,526/mo
Today · 4.125%
HK$214,085
baseline
▲ 0.50% · 4.625%
HK$225,370
+HK$11,285/mo
Deposit HK$4.45M · loan HK$40.03M · min. income ≈ HK$428,170/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,477 · Scale 2, in force from 26 Feb 2026)