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$100,624
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,754
−HK$3,180/mo
Today · 4.125%
HK$106,934
baseline
▲ 0.50% · 4.625%
HK$113,441
+HK$6,507/mo
Deposit HK$22.06M · loan HK$22.06M · min. income ≈ HK$213,868/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$1,875,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,944
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,946
−HK$3,046/mo
Today · 4.125%
HK$117,992
baseline
▲ 0.50% · 4.625%
HK$124,211
+HK$6,219/mo
Deposit HK$22.06M · loan HK$22.06M · min. income ≈ HK$235,984/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$1,875,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,749
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,505
−HK$3,816/mo
Today · 4.125%
HK$128,321
baseline
▲ 0.50% · 4.625%
HK$136,129
+HK$7,808/mo
Deposit HK$17.65M · loan HK$26.48M · min. income ≈ HK$256,642/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,332
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$137,935
−HK$3,655/mo
Today · 4.125%
HK$141,590
baseline
▲ 0.50% · 4.625%
HK$149,053
+HK$7,463/mo
Deposit HK$17.65M · loan HK$26.48M · min. income ≈ HK$283,180/mo (50% DSR)
Upfront cash ≈ HK$19.53M (deposit + AVD stamp duty HK$1,875,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,874
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$145,256
−HK$4,452/mo
Today · 4.125%
HK$149,708
baseline
▲ 0.50% · 4.625%
HK$158,818
+HK$9,110/mo
Deposit HK$13.24M · loan HK$30.89M · min. income ≈ HK$299,416/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,875,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,721
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$160,924
−HK$4,264/mo
Today · 4.125%
HK$165,188
baseline
▲ 0.50% · 4.625%
HK$173,896
+HK$8,708/mo
Deposit HK$13.24M · loan HK$30.89M · min. income ≈ HK$330,376/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,875,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,124
−HK$11,358/mo
▼ 0.25% · 3.875%
HK$186,758
−HK$5,724/mo
Today · 4.125%
HK$192,482
baseline
▲ 0.50% · 4.625%
HK$204,194
+HK$11,712/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$384,964/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,499
−HK$10,886/mo
▼ 0.25% · 3.875%
HK$206,903
−HK$5,482/mo
Today · 4.125%
HK$212,385
baseline
▲ 0.50% · 4.625%
HK$223,580
+HK$11,195/mo
Deposit HK$4.41M · loan HK$39.72M · min. income ≈ HK$424,770/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,875,464 · Scale 2, in force from 26 Feb 2026)