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$101,401
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,555
−HK$3,205/mo
Today · 4.125%
HK$107,760
baseline
▲ 0.50% · 4.625%
HK$114,317
+HK$6,557/mo
Deposit HK$22.23M · loan HK$22.23M · min. income ≈ HK$215,520/mo (50% DSR)
Upfront cash ≈ HK$24.12M (deposit + AVD stamp duty HK$1,889,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,808
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,833
−HK$3,069/mo
Today · 4.125%
HK$118,902
baseline
▲ 0.50% · 4.625%
HK$125,170
+HK$6,268/mo
Deposit HK$22.23M · loan HK$22.23M · min. income ≈ HK$237,804/mo (50% DSR)
Upfront cash ≈ HK$24.12M (deposit + AVD stamp duty HK$1,889,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,681
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$125,466
−HK$3,846/mo
Today · 4.125%
HK$129,312
baseline
▲ 0.50% · 4.625%
HK$137,180
+HK$7,868/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$258,624/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,889,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,369
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$139,000
−HK$3,683/mo
Today · 4.125%
HK$142,683
baseline
▲ 0.50% · 4.625%
HK$150,204
+HK$7,521/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$285,366/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,889,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,962
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$146,377
−HK$4,487/mo
Today · 4.125%
HK$150,864
baseline
▲ 0.50% · 4.625%
HK$160,043
+HK$9,179/mo
Deposit HK$13.34M · loan HK$31.13M · min. income ≈ HK$301,728/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,889,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,931
−HK$8,532/mo
▼ 0.25% · 3.875%
HK$162,166
−HK$4,297/mo
Today · 4.125%
HK$166,463
baseline
▲ 0.50% · 4.625%
HK$175,238
+HK$8,775/mo
Deposit HK$13.34M · loan HK$31.13M · min. income ≈ HK$332,926/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,889,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,522
−HK$11,446/mo
▼ 0.25% · 3.875%
HK$188,199
−HK$5,769/mo
Today · 4.125%
HK$193,968
baseline
▲ 0.50% · 4.625%
HK$205,770
+HK$11,802/mo
Deposit HK$4.45M · loan HK$40.02M · min. income ≈ HK$387,936/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,889,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,054
−HK$10,970/mo
▼ 0.25% · 3.875%
HK$208,500
−HK$5,524/mo
Today · 4.125%
HK$214,024
baseline
▲ 0.50% · 4.625%
HK$225,306
+HK$11,282/mo
Deposit HK$4.45M · loan HK$40.02M · min. income ≈ HK$428,048/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,889,940 · Scale 2, in force from 26 Feb 2026)