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$101,442
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,597
−HK$3,206/mo
Today · 4.125%
HK$107,803
baseline
▲ 0.50% · 4.625%
HK$114,363
+HK$6,560/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$215,606/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,853
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,880
−HK$3,070/mo
Today · 4.125%
HK$118,950
baseline
▲ 0.50% · 4.625%
HK$125,220
+HK$6,270/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$237,900/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,730
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,517
−HK$3,847/mo
Today · 4.125%
HK$129,364
baseline
▲ 0.50% · 4.625%
HK$137,235
+HK$7,871/mo
Deposit HK$17.79M · loan HK$26.69M · min. income ≈ HK$258,728/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,890,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,424
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,056
−HK$3,684/mo
Today · 4.125%
HK$142,740
baseline
▲ 0.50% · 4.625%
HK$150,264
+HK$7,524/mo
Deposit HK$17.79M · loan HK$26.69M · min. income ≈ HK$285,480/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,890,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,019
−HK$8,906/mo
▼ 0.25% · 3.875%
HK$146,436
−HK$4,489/mo
Today · 4.125%
HK$150,925
baseline
▲ 0.50% · 4.625%
HK$160,108
+HK$9,183/mo
Deposit HK$13.35M · loan HK$31.14M · min. income ≈ HK$301,850/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,890,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,995
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$162,232
−HK$4,298/mo
Today · 4.125%
HK$166,530
baseline
▲ 0.50% · 4.625%
HK$175,309
+HK$8,779/mo
Deposit HK$13.35M · loan HK$31.14M · min. income ≈ HK$333,060/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,890,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,596
−HK$11,450/mo
▼ 0.25% · 3.875%
HK$188,275
−HK$5,771/mo
Today · 4.125%
HK$194,046
baseline
▲ 0.50% · 4.625%
HK$205,853
+HK$11,807/mo
Deposit HK$4.45M · loan HK$40.04M · min. income ≈ HK$388,092/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,136
−HK$10,975/mo
▼ 0.25% · 3.875%
HK$208,584
−HK$5,527/mo
Today · 4.125%
HK$214,111
baseline
▲ 0.50% · 4.625%
HK$225,397
+HK$11,286/mo
Deposit HK$4.45M · loan HK$40.04M · min. income ≈ HK$428,222/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,703 · Scale 2, in force from 26 Feb 2026)