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$100,375
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,497
−HK$3,172/mo
Today · 4.125%
HK$106,669
baseline
▲ 0.50% · 4.625%
HK$113,160
+HK$6,491/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$213,338/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,666
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,661
−HK$3,038/mo
Today · 4.125%
HK$117,699
baseline
▲ 0.50% · 4.625%
HK$123,903
+HK$6,204/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$235,398/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,450
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,196
−HK$3,807/mo
Today · 4.125%
HK$128,003
baseline
▲ 0.50% · 4.625%
HK$135,791
+HK$7,788/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$256,006/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,999
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,593
−HK$3,645/mo
Today · 4.125%
HK$141,238
baseline
▲ 0.50% · 4.625%
HK$148,683
+HK$7,445/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$282,476/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,524
−HK$8,813/mo
▼ 0.25% · 3.875%
HK$144,896
−HK$4,441/mo
Today · 4.125%
HK$149,337
baseline
▲ 0.50% · 4.625%
HK$158,423
+HK$9,086/mo
Deposit HK$13.21M · loan HK$30.81M · min. income ≈ HK$298,674/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,332
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$160,525
−HK$4,253/mo
Today · 4.125%
HK$164,778
baseline
▲ 0.50% · 4.625%
HK$173,464
+HK$8,686/mo
Deposit HK$13.21M · loan HK$30.81M · min. income ≈ HK$329,556/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,674
−HK$11,330/mo
▼ 0.25% · 3.875%
HK$186,294
−HK$5,710/mo
Today · 4.125%
HK$192,004
baseline
▲ 0.50% · 4.625%
HK$203,687
+HK$11,683/mo
Deposit HK$4.40M · loan HK$39.62M · min. income ≈ HK$384,008/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,998
−HK$10,860/mo
▼ 0.25% · 3.875%
HK$206,389
−HK$5,469/mo
Today · 4.125%
HK$211,858
baseline
▲ 0.50% · 4.625%
HK$223,025
+HK$11,167/mo
Deposit HK$4.40M · loan HK$39.62M · min. income ≈ HK$423,716/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,808 · Scale 2, in force from 26 Feb 2026)