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$100,367
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,489
−HK$3,172/mo
Today · 4.125%
HK$106,661
baseline
▲ 0.50% · 4.625%
HK$113,151
+HK$6,490/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$213,322/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,657
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,652
−HK$3,038/mo
Today · 4.125%
HK$117,690
baseline
▲ 0.50% · 4.625%
HK$123,893
+HK$6,203/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$235,380/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,440
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,187
−HK$3,806/mo
Today · 4.125%
HK$127,993
baseline
▲ 0.50% · 4.625%
HK$135,781
+HK$7,788/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$255,986/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,989
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,582
−HK$3,646/mo
Today · 4.125%
HK$141,228
baseline
▲ 0.50% · 4.625%
HK$148,672
+HK$7,444/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$282,456/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,514
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$144,885
−HK$4,440/mo
Today · 4.125%
HK$149,325
baseline
▲ 0.50% · 4.625%
HK$158,411
+HK$9,086/mo
Deposit HK$13.20M · loan HK$30.81M · min. income ≈ HK$298,650/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,320
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$160,513
−HK$4,253/mo
Today · 4.125%
HK$164,766
baseline
▲ 0.50% · 4.625%
HK$173,451
+HK$8,685/mo
Deposit HK$13.20M · loan HK$30.81M · min. income ≈ HK$329,532/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,661
−HK$11,329/mo
▼ 0.25% · 3.875%
HK$186,280
−HK$5,710/mo
Today · 4.125%
HK$191,990
baseline
▲ 0.50% · 4.625%
HK$203,672
+HK$11,682/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$383,980/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,983
−HK$10,859/mo
▼ 0.25% · 3.875%
HK$206,373
−HK$5,469/mo
Today · 4.125%
HK$211,842
baseline
▲ 0.50% · 4.625%
HK$223,008
+HK$11,166/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$423,684/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,667 · Scale 2, in force from 26 Feb 2026)