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$100,803
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,939
−HK$3,185/mo
Today · 4.125%
HK$107,124
baseline
▲ 0.50% · 4.625%
HK$113,643
+HK$6,519/mo
Deposit HK$22.10M · loan HK$22.10M · min. income ≈ HK$214,248/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,143
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,150
−HK$3,051/mo
Today · 4.125%
HK$118,201
baseline
▲ 0.50% · 4.625%
HK$124,432
+HK$6,231/mo
Deposit HK$22.10M · loan HK$22.10M · min. income ≈ HK$236,402/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,964
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,726
−HK$3,823/mo
Today · 4.125%
HK$128,549
baseline
▲ 0.50% · 4.625%
HK$136,371
+HK$7,822/mo
Deposit HK$17.68M · loan HK$26.52M · min. income ≈ HK$257,098/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,571
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$138,180
−HK$3,661/mo
Today · 4.125%
HK$141,841
baseline
▲ 0.50% · 4.625%
HK$149,318
+HK$7,477/mo
Deposit HK$17.68M · loan HK$26.52M · min. income ≈ HK$283,682/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,124
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$145,514
−HK$4,460/mo
Today · 4.125%
HK$149,974
baseline
▲ 0.50% · 4.625%
HK$159,100
+HK$9,126/mo
Deposit HK$13.26M · loan HK$30.94M · min. income ≈ HK$299,948/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,000
−HK$8,482/mo
▼ 0.25% · 3.875%
HK$161,210
−HK$4,272/mo
Today · 4.125%
HK$165,482
baseline
▲ 0.50% · 4.625%
HK$174,204
+HK$8,722/mo
Deposit HK$13.26M · loan HK$30.94M · min. income ≈ HK$330,964/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,446
−HK$11,378/mo
▼ 0.25% · 3.875%
HK$187,090
−HK$5,734/mo
Today · 4.125%
HK$192,824
baseline
▲ 0.50% · 4.625%
HK$204,557
+HK$11,733/mo
Deposit HK$4.42M · loan HK$39.79M · min. income ≈ HK$385,648/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,857
−HK$10,905/mo
▼ 0.25% · 3.875%
HK$207,270
−HK$5,492/mo
Today · 4.125%
HK$212,762
baseline
▲ 0.50% · 4.625%
HK$223,977
+HK$11,215/mo
Deposit HK$4.42M · loan HK$39.79M · min. income ≈ HK$425,524/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,795 · Scale 2, in force from 26 Feb 2026)