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$101,533
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,691
−HK$3,209/mo
Today · 4.125%
HK$107,900
baseline
▲ 0.50% · 4.625%
HK$114,465
+HK$6,565/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$215,800/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,892,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,954
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,984
−HK$3,073/mo
Today · 4.125%
HK$119,057
baseline
▲ 0.50% · 4.625%
HK$125,332
+HK$6,275/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$238,114/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,892,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,839
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$125,629
−HK$3,851/mo
Today · 4.125%
HK$129,480
baseline
▲ 0.50% · 4.625%
HK$137,358
+HK$7,878/mo
Deposit HK$17.81M · loan HK$26.72M · min. income ≈ HK$258,960/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,892,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,545
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$139,180
−HK$3,688/mo
Today · 4.125%
HK$142,868
baseline
▲ 0.50% · 4.625%
HK$150,399
+HK$7,531/mo
Deposit HK$17.81M · loan HK$26.72M · min. income ≈ HK$285,736/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,892,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,146
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$146,567
−HK$4,493/mo
Today · 4.125%
HK$151,060
baseline
▲ 0.50% · 4.625%
HK$160,251
+HK$9,191/mo
Deposit HK$13.36M · loan HK$31.17M · min. income ≈ HK$302,120/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,892,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,136
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$162,377
−HK$4,302/mo
Today · 4.125%
HK$166,679
baseline
▲ 0.50% · 4.625%
HK$175,465
+HK$8,786/mo
Deposit HK$13.36M · loan HK$31.17M · min. income ≈ HK$333,358/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,892,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,759
−HK$11,461/mo
▼ 0.25% · 3.875%
HK$188,444
−HK$5,776/mo
Today · 4.125%
HK$194,220
baseline
▲ 0.50% · 4.625%
HK$206,037
+HK$11,817/mo
Deposit HK$4.45M · loan HK$40.07M · min. income ≈ HK$388,440/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,892,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,318
−HK$10,984/mo
▼ 0.25% · 3.875%
HK$208,770
−HK$5,532/mo
Today · 4.125%
HK$214,302
baseline
▲ 0.50% · 4.625%
HK$225,598
+HK$11,296/mo
Deposit HK$4.45M · loan HK$40.07M · min. income ≈ HK$428,604/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,892,394 · Scale 2, in force from 26 Feb 2026)