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$100,741
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,875
−HK$3,183/mo
Today · 4.125%
HK$107,058
baseline
▲ 0.50% · 4.625%
HK$113,573
+HK$6,515/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$214,116/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,877,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,073
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,079
−HK$3,049/mo
Today · 4.125%
HK$118,128
baseline
▲ 0.50% · 4.625%
HK$124,355
+HK$6,227/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$236,256/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,877,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,889
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,650
−HK$3,820/mo
Today · 4.125%
HK$128,470
baseline
▲ 0.50% · 4.625%
HK$136,287
+HK$7,817/mo
Deposit HK$17.67M · loan HK$26.51M · min. income ≈ HK$256,940/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,488
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$138,095
−HK$3,659/mo
Today · 4.125%
HK$141,754
baseline
▲ 0.50% · 4.625%
HK$149,226
+HK$7,472/mo
Deposit HK$17.67M · loan HK$26.51M · min. income ≈ HK$283,508/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,037
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$145,425
−HK$4,457/mo
Today · 4.125%
HK$149,882
baseline
▲ 0.50% · 4.625%
HK$159,002
+HK$9,120/mo
Deposit HK$13.25M · loan HK$30.93M · min. income ≈ HK$299,764/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,903
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$161,111
−HK$4,269/mo
Today · 4.125%
HK$165,380
baseline
▲ 0.50% · 4.625%
HK$174,097
+HK$8,717/mo
Deposit HK$13.25M · loan HK$30.93M · min. income ≈ HK$330,760/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,334
−HK$11,371/mo
▼ 0.25% · 3.875%
HK$186,974
−HK$5,731/mo
Today · 4.125%
HK$192,705
baseline
▲ 0.50% · 4.625%
HK$204,431
+HK$11,726/mo
Deposit HK$4.42M · loan HK$39.76M · min. income ≈ HK$385,410/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,877,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,732
−HK$10,899/mo
▼ 0.25% · 3.875%
HK$207,143
−HK$5,488/mo
Today · 4.125%
HK$212,631
baseline
▲ 0.50% · 4.625%
HK$223,839
+HK$11,208/mo
Deposit HK$4.42M · loan HK$39.76M · min. income ≈ HK$425,262/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,877,638 · Scale 2, in force from 26 Feb 2026)