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$100,858
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,995
−HK$3,187/mo
Today · 4.125%
HK$107,182
baseline
▲ 0.50% · 4.625%
HK$113,704
+HK$6,522/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$214,364/mo (50% DSR)
Upfront cash ≈ HK$24.00M (deposit + AVD stamp duty HK$1,879,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,203
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,212
−HK$3,053/mo
Today · 4.125%
HK$118,265
baseline
▲ 0.50% · 4.625%
HK$124,499
+HK$6,234/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$236,530/mo (50% DSR)
Upfront cash ≈ HK$24.00M (deposit + AVD stamp duty HK$1,879,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,029
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$124,794
−HK$3,825/mo
Today · 4.125%
HK$128,619
baseline
▲ 0.50% · 4.625%
HK$136,445
+HK$7,826/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$257,238/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,644
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$138,255
−HK$3,663/mo
Today · 4.125%
HK$141,918
baseline
▲ 0.50% · 4.625%
HK$149,399
+HK$7,481/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$283,836/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,201
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$145,593
−HK$4,462/mo
Today · 4.125%
HK$150,055
baseline
▲ 0.50% · 4.625%
HK$159,186
+HK$9,131/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$300,110/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,085
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$161,297
−HK$4,274/mo
Today · 4.125%
HK$165,571
baseline
▲ 0.50% · 4.625%
HK$174,299
+HK$8,728/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$331,142/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,544
−HK$11,384/mo
▼ 0.25% · 3.875%
HK$187,191
−HK$5,737/mo
Today · 4.125%
HK$192,928
baseline
▲ 0.50% · 4.625%
HK$204,668
+HK$11,740/mo
Deposit HK$4.42M · loan HK$39.81M · min. income ≈ HK$385,856/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,966
−HK$10,911/mo
▼ 0.25% · 3.875%
HK$207,382
−HK$5,495/mo
Today · 4.125%
HK$212,877
baseline
▲ 0.50% · 4.625%
HK$224,098
+HK$11,221/mo
Deposit HK$4.42M · loan HK$39.81M · min. income ≈ HK$425,754/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,813 · Scale 2, in force from 26 Feb 2026)