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$100,494
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,620
−HK$3,176/mo
Today · 4.125%
HK$106,796
baseline
▲ 0.50% · 4.625%
HK$113,294
+HK$6,498/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$213,592/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,798
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,797
−HK$3,041/mo
Today · 4.125%
HK$117,838
baseline
▲ 0.50% · 4.625%
HK$124,050
+HK$6,212/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$235,676/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,593
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$124,344
−HK$3,811/mo
Today · 4.125%
HK$128,155
baseline
▲ 0.50% · 4.625%
HK$135,953
+HK$7,798/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$256,310/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,873,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,158
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$137,756
−HK$3,650/mo
Today · 4.125%
HK$141,406
baseline
▲ 0.50% · 4.625%
HK$148,860
+HK$7,454/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$282,812/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,873,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,691
−HK$8,823/mo
▼ 0.25% · 3.875%
HK$145,068
−HK$4,446/mo
Today · 4.125%
HK$149,514
baseline
▲ 0.50% · 4.625%
HK$158,611
+HK$9,097/mo
Deposit HK$13.22M · loan HK$30.85M · min. income ≈ HK$299,028/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,873,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,518
−HK$8,456/mo
▼ 0.25% · 3.875%
HK$160,715
−HK$4,259/mo
Today · 4.125%
HK$164,974
baseline
▲ 0.50% · 4.625%
HK$173,670
+HK$8,696/mo
Deposit HK$13.22M · loan HK$30.85M · min. income ≈ HK$329,948/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,873,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,889
−HK$11,343/mo
▼ 0.25% · 3.875%
HK$186,515
−HK$5,717/mo
Today · 4.125%
HK$192,232
baseline
▲ 0.50% · 4.625%
HK$203,929
+HK$11,697/mo
Deposit HK$4.41M · loan HK$39.66M · min. income ≈ HK$384,464/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,237
−HK$10,872/mo
▼ 0.25% · 3.875%
HK$206,634
−HK$5,475/mo
Today · 4.125%
HK$212,109
baseline
▲ 0.50% · 4.625%
HK$223,290
+HK$11,181/mo
Deposit HK$4.41M · loan HK$39.66M · min. income ≈ HK$424,218/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,029 · Scale 2, in force from 26 Feb 2026)