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$101,530
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,688
−HK$3,209/mo
Today · 4.125%
HK$107,897
baseline
▲ 0.50% · 4.625%
HK$114,462
+HK$6,565/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$215,794/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,892,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,951
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,981
−HK$3,073/mo
Today · 4.125%
HK$119,054
baseline
▲ 0.50% · 4.625%
HK$125,329
+HK$6,275/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$238,108/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,892,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,836
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$125,626
−HK$3,850/mo
Today · 4.125%
HK$129,476
baseline
▲ 0.50% · 4.625%
HK$137,355
+HK$7,879/mo
Deposit HK$17.81M · loan HK$26.72M · min. income ≈ HK$258,952/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,892,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,542
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$139,177
−HK$3,687/mo
Today · 4.125%
HK$142,864
baseline
▲ 0.50% · 4.625%
HK$150,395
+HK$7,531/mo
Deposit HK$17.81M · loan HK$26.72M · min. income ≈ HK$285,728/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,892,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,142
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$146,564
−HK$4,492/mo
Today · 4.125%
HK$151,056
baseline
▲ 0.50% · 4.625%
HK$160,247
+HK$9,191/mo
Deposit HK$13.36M · loan HK$31.17M · min. income ≈ HK$302,112/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,892,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,132
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$162,373
−HK$4,302/mo
Today · 4.125%
HK$166,675
baseline
▲ 0.50% · 4.625%
HK$175,461
+HK$8,786/mo
Deposit HK$13.36M · loan HK$31.17M · min. income ≈ HK$333,350/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,892,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,754
−HK$11,461/mo
▼ 0.25% · 3.875%
HK$188,439
−HK$5,776/mo
Today · 4.125%
HK$194,215
baseline
▲ 0.50% · 4.625%
HK$206,032
+HK$11,817/mo
Deposit HK$4.45M · loan HK$40.07M · min. income ≈ HK$388,430/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,892,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,312
−HK$10,985/mo
▼ 0.25% · 3.875%
HK$208,765
−HK$5,532/mo
Today · 4.125%
HK$214,297
baseline
▲ 0.50% · 4.625%
HK$225,593
+HK$11,296/mo
Deposit HK$4.45M · loan HK$40.07M · min. income ≈ HK$428,594/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,892,346 · Scale 2, in force from 26 Feb 2026)