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$101,087
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,231
−HK$3,195/mo
Today · 4.125%
HK$107,426
baseline
▲ 0.50% · 4.625%
HK$113,962
+HK$6,536/mo
Deposit HK$22.17M · loan HK$22.17M · min. income ≈ HK$214,852/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$1,884,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,458
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,474
−HK$3,060/mo
Today · 4.125%
HK$118,534
baseline
▲ 0.50% · 4.625%
HK$124,782
+HK$6,248/mo
Deposit HK$22.17M · loan HK$22.17M · min. income ≈ HK$237,068/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$1,884,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,304
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$125,077
−HK$3,834/mo
Today · 4.125%
HK$128,911
baseline
▲ 0.50% · 4.625%
HK$136,755
+HK$7,844/mo
Deposit HK$17.73M · loan HK$26.60M · min. income ≈ HK$257,822/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,884,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,949
−HK$7,291/mo
▼ 0.25% · 3.875%
HK$138,569
−HK$3,671/mo
Today · 4.125%
HK$142,240
baseline
▲ 0.50% · 4.625%
HK$149,738
+HK$7,498/mo
Deposit HK$17.73M · loan HK$26.60M · min. income ≈ HK$284,480/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,884,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,521
−HK$8,875/mo
▼ 0.25% · 3.875%
HK$145,923
−HK$4,473/mo
Today · 4.125%
HK$150,396
baseline
▲ 0.50% · 4.625%
HK$159,547
+HK$9,151/mo
Deposit HK$13.30M · loan HK$31.03M · min. income ≈ HK$300,792/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,884,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,441
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$161,664
−HK$4,283/mo
Today · 4.125%
HK$165,947
baseline
▲ 0.50% · 4.625%
HK$174,694
+HK$8,747/mo
Deposit HK$13.30M · loan HK$31.03M · min. income ≈ HK$331,894/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,884,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,956
−HK$11,410/mo
▼ 0.25% · 3.875%
HK$187,616
−HK$5,750/mo
Today · 4.125%
HK$193,366
baseline
▲ 0.50% · 4.625%
HK$205,132
+HK$11,766/mo
Deposit HK$4.43M · loan HK$39.90M · min. income ≈ HK$386,732/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,884,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,424
−HK$10,937/mo
▼ 0.25% · 3.875%
HK$207,853
−HK$5,508/mo
Today · 4.125%
HK$213,361
baseline
▲ 0.50% · 4.625%
HK$224,607
+HK$11,246/mo
Deposit HK$4.43M · loan HK$39.90M · min. income ≈ HK$426,722/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,884,079 · Scale 2, in force from 26 Feb 2026)