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$100,902
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,041
−HK$3,189/mo
Today · 4.125%
HK$107,230
baseline
▲ 0.50% · 4.625%
HK$113,754
+HK$6,524/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,460/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,880,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,253
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,263
−HK$3,054/mo
Today · 4.125%
HK$118,317
baseline
▲ 0.50% · 4.625%
HK$124,554
+HK$6,237/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,634/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,880,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,083
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,849
−HK$3,827/mo
Today · 4.125%
HK$128,676
baseline
▲ 0.50% · 4.625%
HK$136,505
+HK$7,829/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$257,352/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,703
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$138,316
−HK$3,665/mo
Today · 4.125%
HK$141,981
baseline
▲ 0.50% · 4.625%
HK$149,465
+HK$7,484/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$283,962/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,263
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$145,657
−HK$4,464/mo
Today · 4.125%
HK$150,121
baseline
▲ 0.50% · 4.625%
HK$159,256
+HK$9,135/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$300,242/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,880,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,154
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$161,368
−HK$4,276/mo
Today · 4.125%
HK$165,644
baseline
▲ 0.50% · 4.625%
HK$174,376
+HK$8,732/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$331,288/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,880,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,624
−HK$11,389/mo
▼ 0.25% · 3.875%
HK$187,273
−HK$5,740/mo
Today · 4.125%
HK$193,013
baseline
▲ 0.50% · 4.625%
HK$204,758
+HK$11,745/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$386,026/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,880,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,055
−HK$10,916/mo
▼ 0.25% · 3.875%
HK$207,474
−HK$5,497/mo
Today · 4.125%
HK$212,971
baseline
▲ 0.50% · 4.625%
HK$224,197
+HK$11,226/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$425,942/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,880,641 · Scale 2, in force from 26 Feb 2026)