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$101,180
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,327
−HK$3,198/mo
Today · 4.125%
HK$107,525
baseline
▲ 0.50% · 4.625%
HK$114,067
+HK$6,542/mo
Deposit HK$22.19M · loan HK$22.19M · min. income ≈ HK$215,050/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$1,885,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,562
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$115,580
−HK$3,063/mo
Today · 4.125%
HK$118,643
baseline
▲ 0.50% · 4.625%
HK$124,897
+HK$6,254/mo
Deposit HK$22.19M · loan HK$22.19M · min. income ≈ HK$237,286/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$1,885,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,416
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,193
−HK$3,837/mo
Today · 4.125%
HK$129,030
baseline
▲ 0.50% · 4.625%
HK$136,881
+HK$7,851/mo
Deposit HK$17.75M · loan HK$26.62M · min. income ≈ HK$258,060/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,885,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,074
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,697
−HK$3,675/mo
Today · 4.125%
HK$142,372
baseline
▲ 0.50% · 4.625%
HK$149,876
+HK$7,504/mo
Deposit HK$17.75M · loan HK$26.62M · min. income ≈ HK$284,744/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$1,885,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,652
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$146,058
−HK$4,477/mo
Today · 4.125%
HK$150,535
baseline
▲ 0.50% · 4.625%
HK$159,694
+HK$9,159/mo
Deposit HK$13.31M · loan HK$31.06M · min. income ≈ HK$301,070/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,885,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,586
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,813
−HK$4,287/mo
Today · 4.125%
HK$166,100
baseline
▲ 0.50% · 4.625%
HK$174,856
+HK$8,756/mo
Deposit HK$13.31M · loan HK$31.06M · min. income ≈ HK$332,200/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,885,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,124
−HK$11,421/mo
▼ 0.25% · 3.875%
HK$187,789
−HK$5,756/mo
Today · 4.125%
HK$193,545
baseline
▲ 0.50% · 4.625%
HK$205,321
+HK$11,776/mo
Deposit HK$4.44M · loan HK$39.93M · min. income ≈ HK$387,090/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,885,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,611
−HK$10,946/mo
▼ 0.25% · 3.875%
HK$208,045
−HK$5,512/mo
Today · 4.125%
HK$213,557
baseline
▲ 0.50% · 4.625%
HK$224,814
+HK$11,257/mo
Deposit HK$4.44M · loan HK$39.93M · min. income ≈ HK$427,114/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,885,817 · Scale 2, in force from 26 Feb 2026)