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$100,909
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,048
−HK$3,189/mo
Today · 4.125%
HK$107,237
baseline
▲ 0.50% · 4.625%
HK$113,762
+HK$6,525/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,474/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,880,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,260
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,271
−HK$3,054/mo
Today · 4.125%
HK$118,325
baseline
▲ 0.50% · 4.625%
HK$124,563
+HK$6,238/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,650/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,880,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,091
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,858
−HK$3,826/mo
Today · 4.125%
HK$128,684
baseline
▲ 0.50% · 4.625%
HK$136,515
+HK$7,831/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$257,368/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,712
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,325
−HK$3,666/mo
Today · 4.125%
HK$141,991
baseline
▲ 0.50% · 4.625%
HK$149,475
+HK$7,484/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$283,982/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,273
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$145,667
−HK$4,465/mo
Today · 4.125%
HK$150,132
baseline
▲ 0.50% · 4.625%
HK$159,267
+HK$9,135/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$300,264/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,880,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,164
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$161,380
−HK$4,276/mo
Today · 4.125%
HK$165,656
baseline
▲ 0.50% · 4.625%
HK$174,388
+HK$8,732/mo
Deposit HK$13.28M · loan HK$30.98M · min. income ≈ HK$331,312/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,880,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,636
−HK$11,391/mo
▼ 0.25% · 3.875%
HK$187,286
−HK$5,741/mo
Today · 4.125%
HK$193,027
baseline
▲ 0.50% · 4.625%
HK$204,772
+HK$11,745/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$386,054/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,880,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,069
−HK$10,917/mo
▼ 0.25% · 3.875%
HK$207,488
−HK$5,498/mo
Today · 4.125%
HK$212,986
baseline
▲ 0.50% · 4.625%
HK$224,213
+HK$11,227/mo
Deposit HK$4.43M · loan HK$39.83M · min. income ≈ HK$425,972/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,880,770 · Scale 2, in force from 26 Feb 2026)