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$100,997
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,139
−HK$3,192/mo
Today · 4.125%
HK$107,331
baseline
▲ 0.50% · 4.625%
HK$113,862
+HK$6,531/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$214,662/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,358
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,372
−HK$3,057/mo
Today · 4.125%
HK$118,429
baseline
▲ 0.50% · 4.625%
HK$124,671
+HK$6,242/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$236,858/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,197
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$124,967
−HK$3,830/mo
Today · 4.125%
HK$128,797
baseline
▲ 0.50% · 4.625%
HK$136,634
+HK$7,837/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$257,594/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,830
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$138,446
−HK$3,669/mo
Today · 4.125%
HK$142,115
baseline
▲ 0.50% · 4.625%
HK$149,606
+HK$7,491/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$284,230/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,396
−HK$8,867/mo
▼ 0.25% · 3.875%
HK$145,794
−HK$4,469/mo
Today · 4.125%
HK$150,263
baseline
▲ 0.50% · 4.625%
HK$159,406
+HK$9,143/mo
Deposit HK$13.29M · loan HK$31.00M · min. income ≈ HK$300,526/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,302
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$161,521
−HK$4,279/mo
Today · 4.125%
HK$165,800
baseline
▲ 0.50% · 4.625%
HK$174,540
+HK$8,740/mo
Deposit HK$13.29M · loan HK$31.00M · min. income ≈ HK$331,600/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,795
−HK$11,400/mo
▼ 0.25% · 3.875%
HK$187,450
−HK$5,745/mo
Today · 4.125%
HK$193,195
baseline
▲ 0.50% · 4.625%
HK$204,951
+HK$11,756/mo
Deposit HK$4.43M · loan HK$39.86M · min. income ≈ HK$386,390/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,245
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$207,669
−HK$5,503/mo
Today · 4.125%
HK$213,172
baseline
▲ 0.50% · 4.625%
HK$224,409
+HK$11,237/mo
Deposit HK$4.43M · loan HK$39.86M · min. income ≈ HK$426,344/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,414 · Scale 2, in force from 26 Feb 2026)