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$101,407
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,562
−HK$3,204/mo
Today · 4.125%
HK$107,766
baseline
▲ 0.50% · 4.625%
HK$114,324
+HK$6,558/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$215,532/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,815
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,840
−HK$3,070/mo
Today · 4.125%
HK$118,910
baseline
▲ 0.50% · 4.625%
HK$125,177
+HK$6,267/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$237,820/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,689
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$125,474
−HK$3,846/mo
Today · 4.125%
HK$129,320
baseline
▲ 0.50% · 4.625%
HK$137,188
+HK$7,868/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$258,640/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,377
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$139,008
−HK$3,683/mo
Today · 4.125%
HK$142,691
baseline
▲ 0.50% · 4.625%
HK$150,213
+HK$7,522/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$285,382/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,970
−HK$8,903/mo
▼ 0.25% · 3.875%
HK$146,386
−HK$4,487/mo
Today · 4.125%
HK$150,873
baseline
▲ 0.50% · 4.625%
HK$160,053
+HK$9,180/mo
Deposit HK$13.34M · loan HK$31.13M · min. income ≈ HK$301,746/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,890,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,940
−HK$8,533/mo
▼ 0.25% · 3.875%
HK$162,176
−HK$4,297/mo
Today · 4.125%
HK$166,473
baseline
▲ 0.50% · 4.625%
HK$175,248
+HK$8,775/mo
Deposit HK$13.34M · loan HK$31.13M · min. income ≈ HK$332,946/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,890,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,533
−HK$11,446/mo
▼ 0.25% · 3.875%
HK$188,211
−HK$5,768/mo
Today · 4.125%
HK$193,979
baseline
▲ 0.50% · 4.625%
HK$205,783
+HK$11,804/mo
Deposit HK$4.45M · loan HK$40.02M · min. income ≈ HK$387,958/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,066
−HK$10,971/mo
▼ 0.25% · 3.875%
HK$208,512
−HK$5,525/mo
Today · 4.125%
HK$214,037
baseline
▲ 0.50% · 4.625%
HK$225,319
+HK$11,282/mo
Deposit HK$4.45M · loan HK$40.02M · min. income ≈ HK$428,074/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,054 · Scale 2, in force from 26 Feb 2026)