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$101,262
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,411
−HK$3,201/mo
Today · 4.125%
HK$107,612
baseline
▲ 0.50% · 4.625%
HK$114,159
+HK$6,547/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$215,224/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,887,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,652
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,674
−HK$3,065/mo
Today · 4.125%
HK$118,739
baseline
▲ 0.50% · 4.625%
HK$124,998
+HK$6,259/mo
Deposit HK$22.20M · loan HK$22.20M · min. income ≈ HK$237,478/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$1,887,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,514
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$125,294
−HK$3,840/mo
Today · 4.125%
HK$129,134
baseline
▲ 0.50% · 4.625%
HK$136,991
+HK$7,857/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$258,268/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,183
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$138,808
−HK$3,678/mo
Today · 4.125%
HK$142,486
baseline
▲ 0.50% · 4.625%
HK$149,997
+HK$7,511/mo
Deposit HK$17.76M · loan HK$26.64M · min. income ≈ HK$284,972/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,887,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,766
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$146,176
−HK$4,480/mo
Today · 4.125%
HK$150,656
baseline
▲ 0.50% · 4.625%
HK$159,823
+HK$9,167/mo
Deposit HK$13.32M · loan HK$31.09M · min. income ≈ HK$301,312/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,713
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$161,943
−HK$4,291/mo
Today · 4.125%
HK$166,234
baseline
▲ 0.50% · 4.625%
HK$174,997
+HK$8,763/mo
Deposit HK$13.32M · loan HK$31.09M · min. income ≈ HK$332,468/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,887,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,271
−HK$11,430/mo
▼ 0.25% · 3.875%
HK$187,940
−HK$5,761/mo
Today · 4.125%
HK$193,701
baseline
▲ 0.50% · 4.625%
HK$205,487
+HK$11,786/mo
Deposit HK$4.44M · loan HK$39.97M · min. income ≈ HK$387,402/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,774
−HK$10,956/mo
▼ 0.25% · 3.875%
HK$208,213
−HK$5,517/mo
Today · 4.125%
HK$213,730
baseline
▲ 0.50% · 4.625%
HK$224,996
+HK$11,266/mo
Deposit HK$4.44M · loan HK$39.97M · min. income ≈ HK$427,460/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,887,338 · Scale 2, in force from 26 Feb 2026)