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$100,395
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,518
−HK$3,173/mo
Today · 4.125%
HK$106,691
baseline
▲ 0.50% · 4.625%
HK$113,183
+HK$6,492/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$213,382/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,689
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,684
−HK$3,039/mo
Today · 4.125%
HK$117,723
baseline
▲ 0.50% · 4.625%
HK$123,928
+HK$6,205/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$235,446/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,474
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,222
−HK$3,807/mo
Today · 4.125%
HK$128,029
baseline
▲ 0.50% · 4.625%
HK$135,819
+HK$7,790/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$256,058/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,026
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,621
−HK$3,646/mo
Today · 4.125%
HK$141,267
baseline
▲ 0.50% · 4.625%
HK$148,714
+HK$7,447/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$282,534/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,553
−HK$8,814/mo
▼ 0.25% · 3.875%
HK$144,925
−HK$4,442/mo
Today · 4.125%
HK$149,367
baseline
▲ 0.50% · 4.625%
HK$158,456
+HK$9,089/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$298,734/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,364
−HK$8,448/mo
▼ 0.25% · 3.875%
HK$160,558
−HK$4,254/mo
Today · 4.125%
HK$164,812
baseline
▲ 0.50% · 4.625%
HK$173,500
+HK$8,688/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$329,624/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,711
−HK$11,333/mo
▼ 0.25% · 3.875%
HK$186,333
−HK$5,711/mo
Today · 4.125%
HK$192,044
baseline
▲ 0.50% · 4.625%
HK$203,729
+HK$11,685/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$384,088/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,040
−HK$10,861/mo
▼ 0.25% · 3.875%
HK$206,431
−HK$5,470/mo
Today · 4.125%
HK$211,901
baseline
▲ 0.50% · 4.625%
HK$223,071
+HK$11,170/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$423,802/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,192 · Scale 2, in force from 26 Feb 2026)