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$101,148
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,295
−HK$3,196/mo
Today · 4.125%
HK$107,491
baseline
▲ 0.50% · 4.625%
HK$114,032
+HK$6,541/mo
Deposit HK$22.18M · loan HK$22.18M · min. income ≈ HK$214,982/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$1,885,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,527
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,544
−HK$3,062/mo
Today · 4.125%
HK$118,606
baseline
▲ 0.50% · 4.625%
HK$124,858
+HK$6,252/mo
Deposit HK$22.18M · loan HK$22.18M · min. income ≈ HK$237,212/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$1,885,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,378
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$125,154
−HK$3,836/mo
Today · 4.125%
HK$128,990
baseline
▲ 0.50% · 4.625%
HK$136,838
+HK$7,848/mo
Deposit HK$17.74M · loan HK$26.62M · min. income ≈ HK$257,980/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,885,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,032
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,653
−HK$3,674/mo
Today · 4.125%
HK$142,327
baseline
▲ 0.50% · 4.625%
HK$149,830
+HK$7,503/mo
Deposit HK$17.74M · loan HK$26.62M · min. income ≈ HK$284,654/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,885,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,608
−HK$8,880/mo
▼ 0.25% · 3.875%
HK$146,013
−HK$4,475/mo
Today · 4.125%
HK$150,488
baseline
▲ 0.50% · 4.625%
HK$159,645
+HK$9,157/mo
Deposit HK$13.31M · loan HK$31.05M · min. income ≈ HK$300,976/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,885,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,537
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$161,762
−HK$4,286/mo
Today · 4.125%
HK$166,048
baseline
▲ 0.50% · 4.625%
HK$174,801
+HK$8,753/mo
Deposit HK$13.31M · loan HK$31.05M · min. income ≈ HK$332,096/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,885,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,067
−HK$11,417/mo
▼ 0.25% · 3.875%
HK$187,730
−HK$5,754/mo
Today · 4.125%
HK$193,484
baseline
▲ 0.50% · 4.625%
HK$205,257
+HK$11,773/mo
Deposit HK$4.44M · loan HK$39.92M · min. income ≈ HK$386,968/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,885,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,548
−HK$10,943/mo
▼ 0.25% · 3.875%
HK$207,980
−HK$5,511/mo
Today · 4.125%
HK$213,491
baseline
▲ 0.50% · 4.625%
HK$224,744
+HK$11,253/mo
Deposit HK$4.44M · loan HK$39.92M · min. income ≈ HK$426,982/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,885,230 · Scale 2, in force from 26 Feb 2026)