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$100,339
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,460
−HK$3,171/mo
Today · 4.125%
HK$106,631
baseline
▲ 0.50% · 4.625%
HK$113,119
+HK$6,488/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$213,262/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,870,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,626
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,619
−HK$3,037/mo
Today · 4.125%
HK$117,656
baseline
▲ 0.50% · 4.625%
HK$123,858
+HK$6,202/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$235,312/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,870,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,406
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,152
−HK$3,805/mo
Today · 4.125%
HK$127,957
baseline
▲ 0.50% · 4.625%
HK$135,743
+HK$7,786/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$255,914/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,870,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,951
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,543
−HK$3,645/mo
Today · 4.125%
HK$141,188
baseline
▲ 0.50% · 4.625%
HK$148,630
+HK$7,442/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$282,376/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,870,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,474
−HK$8,809/mo
▼ 0.25% · 3.875%
HK$144,844
−HK$4,439/mo
Today · 4.125%
HK$149,283
baseline
▲ 0.50% · 4.625%
HK$158,367
+HK$9,084/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$298,566/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,870,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,276
−HK$8,443/mo
▼ 0.25% · 3.875%
HK$160,467
−HK$4,252/mo
Today · 4.125%
HK$164,719
baseline
▲ 0.50% · 4.625%
HK$173,402
+HK$8,683/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$329,438/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,870,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,609
−HK$11,326/mo
▼ 0.25% · 3.875%
HK$186,227
−HK$5,708/mo
Today · 4.125%
HK$191,935
baseline
▲ 0.50% · 4.625%
HK$203,614
+HK$11,679/mo
Deposit HK$4.40M · loan HK$39.60M · min. income ≈ HK$383,870/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,926
−HK$10,856/mo
▼ 0.25% · 3.875%
HK$206,315
−HK$5,467/mo
Today · 4.125%
HK$211,782
baseline
▲ 0.50% · 4.625%
HK$222,945
+HK$11,163/mo
Deposit HK$4.40M · loan HK$39.60M · min. income ≈ HK$423,564/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,137 · Scale 2, in force from 26 Feb 2026)