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$101,012
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,154
−HK$3,193/mo
Today · 4.125%
HK$107,347
baseline
▲ 0.50% · 4.625%
HK$113,879
+HK$6,532/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$214,694/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,375
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,389
−HK$3,058/mo
Today · 4.125%
HK$118,447
baseline
▲ 0.50% · 4.625%
HK$124,690
+HK$6,243/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$236,894/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,215
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$124,985
−HK$3,831/mo
Today · 4.125%
HK$128,816
baseline
▲ 0.50% · 4.625%
HK$136,654
+HK$7,838/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$257,632/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,850
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$138,467
−HK$3,669/mo
Today · 4.125%
HK$142,136
baseline
▲ 0.50% · 4.625%
HK$149,628
+HK$7,492/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$284,272/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,417
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$145,816
−HK$4,469/mo
Today · 4.125%
HK$150,285
baseline
▲ 0.50% · 4.625%
HK$159,430
+HK$9,145/mo
Deposit HK$13.29M · loan HK$31.01M · min. income ≈ HK$300,570/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,325
−HK$8,500/mo
▼ 0.25% · 3.875%
HK$161,545
−HK$4,280/mo
Today · 4.125%
HK$165,825
baseline
▲ 0.50% · 4.625%
HK$174,566
+HK$8,741/mo
Deposit HK$13.29M · loan HK$31.01M · min. income ≈ HK$331,650/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,822
−HK$11,402/mo
▼ 0.25% · 3.875%
HK$187,478
−HK$5,746/mo
Today · 4.125%
HK$193,224
baseline
▲ 0.50% · 4.625%
HK$204,981
+HK$11,757/mo
Deposit HK$4.43M · loan HK$39.87M · min. income ≈ HK$386,448/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,275
−HK$10,929/mo
▼ 0.25% · 3.875%
HK$207,700
−HK$5,504/mo
Today · 4.125%
HK$213,204
baseline
▲ 0.50% · 4.625%
HK$224,442
+HK$11,238/mo
Deposit HK$4.43M · loan HK$39.87M · min. income ≈ HK$426,408/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,695 · Scale 2, in force from 26 Feb 2026)