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$100,689
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,821
−HK$3,182/mo
Today · 4.125%
HK$107,003
baseline
▲ 0.50% · 4.625%
HK$113,514
+HK$6,511/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$214,006/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,876,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,016
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,020
−HK$3,048/mo
Today · 4.125%
HK$118,068
baseline
▲ 0.50% · 4.625%
HK$124,291
+HK$6,223/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$236,136/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,876,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,827
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$124,585
−HK$3,819/mo
Today · 4.125%
HK$128,404
baseline
▲ 0.50% · 4.625%
HK$136,217
+HK$7,813/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$256,808/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,419
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$138,024
−HK$3,657/mo
Today · 4.125%
HK$141,681
baseline
▲ 0.50% · 4.625%
HK$149,149
+HK$7,468/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$283,362/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,965
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$145,350
−HK$4,455/mo
Today · 4.125%
HK$149,805
baseline
▲ 0.50% · 4.625%
HK$158,920
+HK$9,115/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$299,610/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,822
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$161,028
−HK$4,267/mo
Today · 4.125%
HK$165,295
baseline
▲ 0.50% · 4.625%
HK$174,007
+HK$8,712/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$330,590/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,240
−HK$11,366/mo
▼ 0.25% · 3.875%
HK$186,878
−HK$5,728/mo
Today · 4.125%
HK$192,606
baseline
▲ 0.50% · 4.625%
HK$204,325
+HK$11,719/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$385,212/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,628
−HK$10,894/mo
▼ 0.25% · 3.875%
HK$207,036
−HK$5,486/mo
Today · 4.125%
HK$212,522
baseline
▲ 0.50% · 4.625%
HK$223,724
+HK$11,202/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$425,044/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,670 · Scale 2, in force from 26 Feb 2026)