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$101,272
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,422
−HK$3,201/mo
Today · 4.125%
HK$107,623
baseline
▲ 0.50% · 4.625%
HK$114,172
+HK$6,549/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$215,246/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,887,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,664
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,686
−HK$3,065/mo
Today · 4.125%
HK$118,751
baseline
▲ 0.50% · 4.625%
HK$125,011
+HK$6,260/mo
Deposit HK$22.21M · loan HK$22.21M · min. income ≈ HK$237,502/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,887,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,527
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$125,307
−HK$3,841/mo
Today · 4.125%
HK$129,148
baseline
▲ 0.50% · 4.625%
HK$137,006
+HK$7,858/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$258,296/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,197
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,823
−HK$3,679/mo
Today · 4.125%
HK$142,502
baseline
▲ 0.50% · 4.625%
HK$150,013
+HK$7,511/mo
Deposit HK$17.77M · loan HK$26.65M · min. income ≈ HK$285,004/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,781
−HK$8,891/mo
▼ 0.25% · 3.875%
HK$146,191
−HK$4,481/mo
Today · 4.125%
HK$150,672
baseline
▲ 0.50% · 4.625%
HK$159,840
+HK$9,168/mo
Deposit HK$13.32M · loan HK$31.09M · min. income ≈ HK$301,344/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,730
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$161,960
−HK$4,292/mo
Today · 4.125%
HK$166,252
baseline
▲ 0.50% · 4.625%
HK$175,015
+HK$8,763/mo
Deposit HK$13.32M · loan HK$31.09M · min. income ≈ HK$332,504/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,290
−HK$11,431/mo
▼ 0.25% · 3.875%
HK$187,960
−HK$5,761/mo
Today · 4.125%
HK$193,721
baseline
▲ 0.50% · 4.625%
HK$205,509
+HK$11,788/mo
Deposit HK$4.44M · loan HK$39.97M · min. income ≈ HK$387,442/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,796
−HK$10,956/mo
▼ 0.25% · 3.875%
HK$208,235
−HK$5,517/mo
Today · 4.125%
HK$213,752
baseline
▲ 0.50% · 4.625%
HK$225,020
+HK$11,268/mo
Deposit HK$4.44M · loan HK$39.97M · min. income ≈ HK$427,504/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,540 · Scale 2, in force from 26 Feb 2026)