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$100,467
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,592
−HK$3,175/mo
Today · 4.125%
HK$106,767
baseline
▲ 0.50% · 4.625%
HK$113,263
+HK$6,496/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$213,534/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,768
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,766
−HK$3,040/mo
Today · 4.125%
HK$117,806
baseline
▲ 0.50% · 4.625%
HK$124,016
+HK$6,210/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$235,612/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,560
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$124,310
−HK$3,810/mo
Today · 4.125%
HK$128,120
baseline
▲ 0.50% · 4.625%
HK$135,916
+HK$7,796/mo
Deposit HK$17.62M · loan HK$26.44M · min. income ≈ HK$256,240/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,872,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,122
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$137,719
−HK$3,649/mo
Today · 4.125%
HK$141,368
baseline
▲ 0.50% · 4.625%
HK$148,819
+HK$7,451/mo
Deposit HK$17.62M · loan HK$26.44M · min. income ≈ HK$282,736/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,872,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,653
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$145,028
−HK$4,445/mo
Today · 4.125%
HK$149,473
baseline
▲ 0.50% · 4.625%
HK$158,568
+HK$9,095/mo
Deposit HK$13.22M · loan HK$30.84M · min. income ≈ HK$298,946/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,475
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$160,672
−HK$4,257/mo
Today · 4.125%
HK$164,929
baseline
▲ 0.50% · 4.625%
HK$173,623
+HK$8,694/mo
Deposit HK$13.22M · loan HK$30.84M · min. income ≈ HK$329,858/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,840
−HK$11,340/mo
▼ 0.25% · 3.875%
HK$186,465
−HK$5,715/mo
Today · 4.125%
HK$192,180
baseline
▲ 0.50% · 4.625%
HK$203,874
+HK$11,694/mo
Deposit HK$4.41M · loan HK$39.65M · min. income ≈ HK$384,360/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,182
−HK$10,870/mo
▼ 0.25% · 3.875%
HK$206,578
−HK$5,474/mo
Today · 4.125%
HK$212,052
baseline
▲ 0.50% · 4.625%
HK$223,229
+HK$11,177/mo
Deposit HK$4.41M · loan HK$39.65M · min. income ≈ HK$424,104/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,521 · Scale 2, in force from 26 Feb 2026)