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$100,683
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,814
−HK$3,182/mo
Today · 4.125%
HK$106,996
baseline
▲ 0.50% · 4.625%
HK$113,507
+HK$6,511/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$213,992/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,876,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,008
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,012
−HK$3,048/mo
Today · 4.125%
HK$118,060
baseline
▲ 0.50% · 4.625%
HK$124,283
+HK$6,223/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$236,120/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$1,876,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,819
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$124,577
−HK$3,819/mo
Today · 4.125%
HK$128,396
baseline
▲ 0.50% · 4.625%
HK$136,208
+HK$7,812/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$256,792/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,410
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$138,015
−HK$3,657/mo
Today · 4.125%
HK$141,672
baseline
▲ 0.50% · 4.625%
HK$149,140
+HK$7,468/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$283,344/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,956
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$145,340
−HK$4,455/mo
Today · 4.125%
HK$149,795
baseline
▲ 0.50% · 4.625%
HK$158,910
+HK$9,115/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$299,590/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,812
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$161,017
−HK$4,267/mo
Today · 4.125%
HK$165,284
baseline
▲ 0.50% · 4.625%
HK$173,996
+HK$8,712/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$330,568/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,229
−HK$11,364/mo
▼ 0.25% · 3.875%
HK$186,866
−HK$5,727/mo
Today · 4.125%
HK$192,593
baseline
▲ 0.50% · 4.625%
HK$204,312
+HK$11,719/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$385,186/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,615
−HK$10,893/mo
▼ 0.25% · 3.875%
HK$207,022
−HK$5,486/mo
Today · 4.125%
HK$212,508
baseline
▲ 0.50% · 4.625%
HK$223,709
+HK$11,201/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$425,016/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,550 · Scale 2, in force from 26 Feb 2026)