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$101,489
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$104,646
−HK$3,207/mo
Today · 4.125%
HK$107,853
baseline
▲ 0.50% · 4.625%
HK$114,416
+HK$6,563/mo
Deposit HK$22.25M · loan HK$22.25M · min. income ≈ HK$215,706/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,891,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,906
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$115,934
−HK$3,072/mo
Today · 4.125%
HK$119,006
baseline
▲ 0.50% · 4.625%
HK$125,278
+HK$6,272/mo
Deposit HK$22.25M · loan HK$22.25M · min. income ≈ HK$238,012/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,891,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,787
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$125,575
−HK$3,849/mo
Today · 4.125%
HK$129,424
baseline
▲ 0.50% · 4.625%
HK$137,299
+HK$7,875/mo
Deposit HK$17.80M · loan HK$26.70M · min. income ≈ HK$258,848/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,891,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,487
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$139,120
−HK$3,687/mo
Today · 4.125%
HK$142,807
baseline
▲ 0.50% · 4.625%
HK$150,334
+HK$7,527/mo
Deposit HK$17.80M · loan HK$26.70M · min. income ≈ HK$285,614/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,891,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,085
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$146,504
−HK$4,491/mo
Today · 4.125%
HK$150,995
baseline
▲ 0.50% · 4.625%
HK$160,182
+HK$9,187/mo
Deposit HK$13.35M · loan HK$31.16M · min. income ≈ HK$301,990/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,891,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,068
−HK$8,540/mo
▼ 0.25% · 3.875%
HK$162,307
−HK$4,301/mo
Today · 4.125%
HK$166,608
baseline
▲ 0.50% · 4.625%
HK$175,390
+HK$8,782/mo
Deposit HK$13.35M · loan HK$31.16M · min. income ≈ HK$333,216/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,891,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,680
−HK$11,456/mo
▼ 0.25% · 3.875%
HK$188,363
−HK$5,773/mo
Today · 4.125%
HK$194,136
baseline
▲ 0.50% · 4.625%
HK$205,949
+HK$11,813/mo
Deposit HK$4.45M · loan HK$40.06M · min. income ≈ HK$388,272/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,230
−HK$10,980/mo
▼ 0.25% · 3.875%
HK$208,681
−HK$5,529/mo
Today · 4.125%
HK$214,210
baseline
▲ 0.50% · 4.625%
HK$225,501
+HK$11,291/mo
Deposit HK$4.45M · loan HK$40.06M · min. income ≈ HK$428,420/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,580 · Scale 2, in force from 26 Feb 2026)