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$100,459
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,583
−HK$3,175/mo
Today · 4.125%
HK$106,758
baseline
▲ 0.50% · 4.625%
HK$113,254
+HK$6,496/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$213,516/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,759
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$114,757
−HK$3,040/mo
Today · 4.125%
HK$117,797
baseline
▲ 0.50% · 4.625%
HK$124,006
+HK$6,209/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$235,594/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,550
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$124,300
−HK$3,810/mo
Today · 4.125%
HK$128,110
baseline
▲ 0.50% · 4.625%
HK$135,905
+HK$7,795/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$256,220/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,872,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,111
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$137,708
−HK$3,649/mo
Today · 4.125%
HK$141,357
baseline
▲ 0.50% · 4.625%
HK$148,808
+HK$7,451/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$282,714/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,872,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,642
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$145,017
−HK$4,445/mo
Today · 4.125%
HK$149,462
baseline
▲ 0.50% · 4.625%
HK$158,556
+HK$9,094/mo
Deposit HK$13.22M · loan HK$30.84M · min. income ≈ HK$298,924/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,463
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$160,659
−HK$4,257/mo
Today · 4.125%
HK$164,916
baseline
▲ 0.50% · 4.625%
HK$173,609
+HK$8,693/mo
Deposit HK$13.22M · loan HK$30.84M · min. income ≈ HK$329,832/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,826
−HK$11,339/mo
▼ 0.25% · 3.875%
HK$186,450
−HK$5,715/mo
Today · 4.125%
HK$192,165
baseline
▲ 0.50% · 4.625%
HK$203,858
+HK$11,693/mo
Deposit HK$4.41M · loan HK$39.65M · min. income ≈ HK$384,330/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,167
−HK$10,868/mo
▼ 0.25% · 3.875%
HK$206,562
−HK$5,473/mo
Today · 4.125%
HK$212,035
baseline
▲ 0.50% · 4.625%
HK$223,212
+HK$11,177/mo
Deposit HK$4.41M · loan HK$39.65M · min. income ≈ HK$424,070/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,374 · Scale 2, in force from 26 Feb 2026)