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$101,066
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,210
−HK$3,194/mo
Today · 4.125%
HK$107,404
baseline
▲ 0.50% · 4.625%
HK$113,939
+HK$6,535/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$214,808/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,435
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,451
−HK$3,059/mo
Today · 4.125%
HK$118,510
baseline
▲ 0.50% · 4.625%
HK$124,757
+HK$6,247/mo
Deposit HK$22.16M · loan HK$22.16M · min. income ≈ HK$237,020/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$1,883,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,280
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,052
−HK$3,833/mo
Today · 4.125%
HK$128,885
baseline
▲ 0.50% · 4.625%
HK$136,727
+HK$7,842/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$257,770/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,922
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$138,541
−HK$3,671/mo
Today · 4.125%
HK$142,212
baseline
▲ 0.50% · 4.625%
HK$149,708
+HK$7,496/mo
Deposit HK$17.73M · loan HK$26.59M · min. income ≈ HK$284,424/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$1,883,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,493
−HK$8,873/mo
▼ 0.25% · 3.875%
HK$145,894
−HK$4,472/mo
Today · 4.125%
HK$150,366
baseline
▲ 0.50% · 4.625%
HK$159,515
+HK$9,149/mo
Deposit HK$13.30M · loan HK$31.03M · min. income ≈ HK$300,732/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,409
−HK$8,505/mo
▼ 0.25% · 3.875%
HK$161,631
−HK$4,283/mo
Today · 4.125%
HK$165,914
baseline
▲ 0.50% · 4.625%
HK$174,659
+HK$8,745/mo
Deposit HK$13.30M · loan HK$31.03M · min. income ≈ HK$331,828/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,883,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,919
−HK$11,408/mo
▼ 0.25% · 3.875%
HK$187,578
−HK$5,749/mo
Today · 4.125%
HK$193,327
baseline
▲ 0.50% · 4.625%
HK$205,091
+HK$11,764/mo
Deposit HK$4.43M · loan HK$39.89M · min. income ≈ HK$386,654/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,883,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,383
−HK$10,935/mo
▼ 0.25% · 3.875%
HK$207,811
−HK$5,507/mo
Today · 4.125%
HK$213,318
baseline
▲ 0.50% · 4.625%
HK$224,562
+HK$11,244/mo
Deposit HK$4.43M · loan HK$39.89M · min. income ≈ HK$426,636/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,883,700 · Scale 2, in force from 26 Feb 2026)