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$101,236
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,385
−HK$3,200/mo
Today · 4.125%
HK$107,585
baseline
▲ 0.50% · 4.625%
HK$114,131
+HK$6,546/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$215,170/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,886,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,624
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,645
−HK$3,064/mo
Today · 4.125%
HK$118,709
baseline
▲ 0.50% · 4.625%
HK$124,967
+HK$6,258/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$237,418/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,886,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,484
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,262
−HK$3,840/mo
Today · 4.125%
HK$129,102
baseline
▲ 0.50% · 4.625%
HK$136,957
+HK$7,855/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$258,204/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,886,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,149
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$138,774
−HK$3,677/mo
Today · 4.125%
HK$142,451
baseline
▲ 0.50% · 4.625%
HK$149,960
+HK$7,509/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$284,902/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,886,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,731
−HK$8,888/mo
▼ 0.25% · 3.875%
HK$146,140
−HK$4,479/mo
Today · 4.125%
HK$150,619
baseline
▲ 0.50% · 4.625%
HK$159,783
+HK$9,164/mo
Deposit HK$13.32M · loan HK$31.08M · min. income ≈ HK$301,238/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,886,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,674
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$161,903
−HK$4,290/mo
Today · 4.125%
HK$166,193
baseline
▲ 0.50% · 4.625%
HK$174,953
+HK$8,760/mo
Deposit HK$13.32M · loan HK$31.08M · min. income ≈ HK$332,386/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,886,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,225
−HK$11,428/mo
▼ 0.25% · 3.875%
HK$187,894
−HK$5,759/mo
Today · 4.125%
HK$193,653
baseline
▲ 0.50% · 4.625%
HK$205,436
+HK$11,783/mo
Deposit HK$4.44M · loan HK$39.96M · min. income ≈ HK$387,306/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,724
−HK$10,953/mo
▼ 0.25% · 3.875%
HK$208,161
−HK$5,516/mo
Today · 4.125%
HK$213,677
baseline
▲ 0.50% · 4.625%
HK$224,940
+HK$11,263/mo
Deposit HK$4.44M · loan HK$39.96M · min. income ≈ HK$427,354/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,886,870 · Scale 2, in force from 26 Feb 2026)