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$100,924
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,063
−HK$3,190/mo
Today · 4.125%
HK$107,253
baseline
▲ 0.50% · 4.625%
HK$113,779
+HK$6,526/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,506/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,277
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,288
−HK$3,055/mo
Today · 4.125%
HK$118,343
baseline
▲ 0.50% · 4.625%
HK$124,581
+HK$6,238/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,686/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,881,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,109
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$124,876
−HK$3,827/mo
Today · 4.125%
HK$128,703
baseline
▲ 0.50% · 4.625%
HK$136,535
+HK$7,832/mo
Deposit HK$17.70M · loan HK$26.56M · min. income ≈ HK$257,406/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,732
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,346
−HK$3,665/mo
Today · 4.125%
HK$142,011
baseline
▲ 0.50% · 4.625%
HK$149,497
+HK$7,486/mo
Deposit HK$17.70M · loan HK$26.56M · min. income ≈ HK$284,022/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,293
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$145,688
−HK$4,466/mo
Today · 4.125%
HK$150,154
baseline
▲ 0.50% · 4.625%
HK$159,290
+HK$9,136/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$300,308/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,188
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$161,403
−HK$4,277/mo
Today · 4.125%
HK$165,680
baseline
▲ 0.50% · 4.625%
HK$174,413
+HK$8,733/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$331,360/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,663
−HK$11,392/mo
▼ 0.25% · 3.875%
HK$187,314
−HK$5,741/mo
Today · 4.125%
HK$193,055
baseline
▲ 0.50% · 4.625%
HK$204,802
+HK$11,747/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$386,110/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,098
−HK$10,919/mo
▼ 0.25% · 3.875%
HK$207,518
−HK$5,499/mo
Today · 4.125%
HK$213,017
baseline
▲ 0.50% · 4.625%
HK$224,245
+HK$11,228/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$426,034/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,046 · Scale 2, in force from 26 Feb 2026)