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$100,762
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,896
−HK$3,184/mo
Today · 4.125%
HK$107,080
baseline
▲ 0.50% · 4.625%
HK$113,596
+HK$6,516/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$214,160/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,878,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,096
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,103
−HK$3,049/mo
Today · 4.125%
HK$118,152
baseline
▲ 0.50% · 4.625%
HK$124,380
+HK$6,228/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$236,304/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,878,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,914
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$124,675
−HK$3,821/mo
Today · 4.125%
HK$128,496
baseline
▲ 0.50% · 4.625%
HK$136,315
+HK$7,819/mo
Deposit HK$17.68M · loan HK$26.51M · min. income ≈ HK$256,992/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,878,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,516
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,123
−HK$3,660/mo
Today · 4.125%
HK$141,783
baseline
▲ 0.50% · 4.625%
HK$149,257
+HK$7,474/mo
Deposit HK$17.68M · loan HK$26.51M · min. income ≈ HK$283,566/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,878,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,066
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$145,454
−HK$4,458/mo
Today · 4.125%
HK$149,912
baseline
▲ 0.50% · 4.625%
HK$159,034
+HK$9,122/mo
Deposit HK$13.26M · loan HK$30.93M · min. income ≈ HK$299,824/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,878,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,935
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$161,144
−HK$4,269/mo
Today · 4.125%
HK$165,413
baseline
▲ 0.50% · 4.625%
HK$174,133
+HK$8,720/mo
Deposit HK$13.26M · loan HK$30.93M · min. income ≈ HK$330,826/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,878,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,371
−HK$11,373/mo
▼ 0.25% · 3.875%
HK$187,013
−HK$5,731/mo
Today · 4.125%
HK$192,744
baseline
▲ 0.50% · 4.625%
HK$204,472
+HK$11,728/mo
Deposit HK$4.42M · loan HK$39.77M · min. income ≈ HK$385,488/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,773
−HK$10,901/mo
▼ 0.25% · 3.875%
HK$207,185
−HK$5,489/mo
Today · 4.125%
HK$212,674
baseline
▲ 0.50% · 4.625%
HK$223,885
+HK$11,211/mo
Deposit HK$4.42M · loan HK$39.77M · min. income ≈ HK$425,348/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,021 · Scale 2, in force from 26 Feb 2026)