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$100,474
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,599
−HK$3,176/mo
Today · 4.125%
HK$106,775
baseline
▲ 0.50% · 4.625%
HK$113,272
+HK$6,497/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$213,550/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,776
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,774
−HK$3,041/mo
Today · 4.125%
HK$117,815
baseline
▲ 0.50% · 4.625%
HK$124,026
+HK$6,211/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$235,630/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,569
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$124,319
−HK$3,811/mo
Today · 4.125%
HK$128,130
baseline
▲ 0.50% · 4.625%
HK$135,926
+HK$7,796/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$256,260/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,872,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,132
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$137,729
−HK$3,649/mo
Today · 4.125%
HK$141,378
baseline
▲ 0.50% · 4.625%
HK$148,831
+HK$7,453/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$282,756/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,872,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,664
−HK$8,821/mo
▼ 0.25% · 3.875%
HK$145,039
−HK$4,446/mo
Today · 4.125%
HK$149,485
baseline
▲ 0.50% · 4.625%
HK$158,580
+HK$9,095/mo
Deposit HK$13.22M · loan HK$30.84M · min. income ≈ HK$298,970/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,487
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$160,684
−HK$4,257/mo
Today · 4.125%
HK$164,941
baseline
▲ 0.50% · 4.625%
HK$173,636
+HK$8,695/mo
Deposit HK$13.22M · loan HK$30.84M · min. income ≈ HK$329,882/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,853
−HK$11,341/mo
▼ 0.25% · 3.875%
HK$186,479
−HK$5,715/mo
Today · 4.125%
HK$192,194
baseline
▲ 0.50% · 4.625%
HK$203,889
+HK$11,695/mo
Deposit HK$4.41M · loan HK$39.66M · min. income ≈ HK$384,388/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,198
−HK$10,870/mo
▼ 0.25% · 3.875%
HK$206,594
−HK$5,474/mo
Today · 4.125%
HK$212,068
baseline
▲ 0.50% · 4.625%
HK$223,246
+HK$11,178/mo
Deposit HK$4.41M · loan HK$39.66M · min. income ≈ HK$424,136/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,662 · Scale 2, in force from 26 Feb 2026)