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$101,234
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,383
−HK$3,199/mo
Today · 4.125%
HK$107,582
baseline
▲ 0.50% · 4.625%
HK$114,129
+HK$6,547/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$215,164/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$1,886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,622
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,642
−HK$3,065/mo
Today · 4.125%
HK$118,707
baseline
▲ 0.50% · 4.625%
HK$124,964
+HK$6,257/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$237,414/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$1,886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,481
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,260
−HK$3,839/mo
Today · 4.125%
HK$129,099
baseline
▲ 0.50% · 4.625%
HK$136,954
+HK$7,855/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$258,198/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,146
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$138,771
−HK$3,677/mo
Today · 4.125%
HK$142,448
baseline
▲ 0.50% · 4.625%
HK$149,957
+HK$7,509/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$284,896/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,728
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$146,136
−HK$4,479/mo
Today · 4.125%
HK$150,615
baseline
▲ 0.50% · 4.625%
HK$159,780
+HK$9,165/mo
Deposit HK$13.32M · loan HK$31.08M · min. income ≈ HK$301,230/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,671
−HK$8,518/mo
▼ 0.25% · 3.875%
HK$161,899
−HK$4,290/mo
Today · 4.125%
HK$166,189
baseline
▲ 0.50% · 4.625%
HK$174,949
+HK$8,760/mo
Deposit HK$13.32M · loan HK$31.08M · min. income ≈ HK$332,378/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,221
−HK$11,427/mo
▼ 0.25% · 3.875%
HK$187,890
−HK$5,758/mo
Today · 4.125%
HK$193,648
baseline
▲ 0.50% · 4.625%
HK$205,431
+HK$11,783/mo
Deposit HK$4.44M · loan HK$39.96M · min. income ≈ HK$387,296/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,720
−HK$10,952/mo
▼ 0.25% · 3.875%
HK$208,156
−HK$5,516/mo
Today · 4.125%
HK$213,672
baseline
▲ 0.50% · 4.625%
HK$224,935
+HK$11,263/mo
Deposit HK$4.44M · loan HK$39.96M · min. income ≈ HK$427,344/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,828 · Scale 2, in force from 26 Feb 2026)