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$100,964
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,104
−HK$3,191/mo
Today · 4.125%
HK$107,295
baseline
▲ 0.50% · 4.625%
HK$113,823
+HK$6,528/mo
Deposit HK$22.14M · loan HK$22.14M · min. income ≈ HK$214,590/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,881,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,321
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,333
−HK$3,056/mo
Today · 4.125%
HK$118,389
baseline
▲ 0.50% · 4.625%
HK$124,630
+HK$6,241/mo
Deposit HK$22.14M · loan HK$22.14M · min. income ≈ HK$236,778/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,881,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,156
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$124,925
−HK$3,829/mo
Today · 4.125%
HK$128,754
baseline
▲ 0.50% · 4.625%
HK$136,588
+HK$7,834/mo
Deposit HK$17.71M · loan HK$26.57M · min. income ≈ HK$257,508/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,785
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$138,400
−HK$3,667/mo
Today · 4.125%
HK$142,067
baseline
▲ 0.50% · 4.625%
HK$149,556
+HK$7,489/mo
Deposit HK$17.71M · loan HK$26.57M · min. income ≈ HK$284,134/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,349
−HK$8,864/mo
▼ 0.25% · 3.875%
HK$145,746
−HK$4,467/mo
Today · 4.125%
HK$150,213
baseline
▲ 0.50% · 4.625%
HK$159,353
+HK$9,140/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$300,426/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,249
−HK$8,496/mo
▼ 0.25% · 3.875%
HK$161,467
−HK$4,278/mo
Today · 4.125%
HK$165,745
baseline
▲ 0.50% · 4.625%
HK$174,482
+HK$8,737/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$331,490/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,734
−HK$11,397/mo
▼ 0.25% · 3.875%
HK$187,387
−HK$5,744/mo
Today · 4.125%
HK$193,131
baseline
▲ 0.50% · 4.625%
HK$204,882
+HK$11,751/mo
Deposit HK$4.43M · loan HK$39.85M · min. income ≈ HK$386,262/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,178
−HK$10,923/mo
▼ 0.25% · 3.875%
HK$207,600
−HK$5,501/mo
Today · 4.125%
HK$213,101
baseline
▲ 0.50% · 4.625%
HK$224,334
+HK$11,233/mo
Deposit HK$4.43M · loan HK$39.85M · min. income ≈ HK$426,202/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,785 · Scale 2, in force from 26 Feb 2026)