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$101,508
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,666
−HK$3,208/mo
Today · 4.125%
HK$107,874
baseline
▲ 0.50% · 4.625%
HK$114,438
+HK$6,564/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$215,748/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,927
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,956
−HK$3,072/mo
Today · 4.125%
HK$119,028
baseline
▲ 0.50% · 4.625%
HK$125,302
+HK$6,274/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$238,056/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,810
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$125,599
−HK$3,850/mo
Today · 4.125%
HK$129,449
baseline
▲ 0.50% · 4.625%
HK$137,325
+HK$7,876/mo
Deposit HK$17.81M · loan HK$26.71M · min. income ≈ HK$258,898/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,513
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$139,147
−HK$3,687/mo
Today · 4.125%
HK$142,834
baseline
▲ 0.50% · 4.625%
HK$150,363
+HK$7,529/mo
Deposit HK$17.81M · loan HK$26.71M · min. income ≈ HK$285,668/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,112
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$146,532
−HK$4,492/mo
Today · 4.125%
HK$151,024
baseline
▲ 0.50% · 4.625%
HK$160,213
+HK$9,189/mo
Deposit HK$13.35M · loan HK$31.16M · min. income ≈ HK$302,048/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,098
−HK$8,542/mo
▼ 0.25% · 3.875%
HK$162,338
−HK$4,302/mo
Today · 4.125%
HK$166,640
baseline
▲ 0.50% · 4.625%
HK$175,423
+HK$8,783/mo
Deposit HK$13.35M · loan HK$31.16M · min. income ≈ HK$333,280/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,715
−HK$11,458/mo
▼ 0.25% · 3.875%
HK$188,399
−HK$5,774/mo
Today · 4.125%
HK$194,173
baseline
▲ 0.50% · 4.625%
HK$205,988
+HK$11,815/mo
Deposit HK$4.45M · loan HK$40.06M · min. income ≈ HK$388,346/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,269
−HK$10,982/mo
▼ 0.25% · 3.875%
HK$208,720
−HK$5,531/mo
Today · 4.125%
HK$214,251
baseline
▲ 0.50% · 4.625%
HK$225,544
+HK$11,293/mo
Deposit HK$4.45M · loan HK$40.06M · min. income ≈ HK$428,502/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,941 · Scale 2, in force from 26 Feb 2026)