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$100,368
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,490
−HK$3,172/mo
Today · 4.125%
HK$106,662
baseline
▲ 0.50% · 4.625%
HK$113,152
+HK$6,490/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$213,324/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,658
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,653
−HK$3,038/mo
Today · 4.125%
HK$117,691
baseline
▲ 0.50% · 4.625%
HK$123,895
+HK$6,204/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$235,382/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$1,870,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,442
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$124,188
−HK$3,806/mo
Today · 4.125%
HK$127,994
baseline
▲ 0.50% · 4.625%
HK$135,782
+HK$7,788/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$255,988/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,990
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,584
−HK$3,645/mo
Today · 4.125%
HK$141,229
baseline
▲ 0.50% · 4.625%
HK$148,673
+HK$7,444/mo
Deposit HK$17.61M · loan HK$26.41M · min. income ≈ HK$282,458/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,870,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,515
−HK$8,812/mo
▼ 0.25% · 3.875%
HK$144,886
−HK$4,441/mo
Today · 4.125%
HK$149,327
baseline
▲ 0.50% · 4.625%
HK$158,413
+HK$9,086/mo
Deposit HK$13.20M · loan HK$30.81M · min. income ≈ HK$298,654/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,322
−HK$8,445/mo
▼ 0.25% · 3.875%
HK$160,514
−HK$4,253/mo
Today · 4.125%
HK$164,767
baseline
▲ 0.50% · 4.625%
HK$173,452
+HK$8,685/mo
Deposit HK$13.20M · loan HK$30.81M · min. income ≈ HK$329,534/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,870,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,662
−HK$11,329/mo
▼ 0.25% · 3.875%
HK$186,282
−HK$5,709/mo
Today · 4.125%
HK$191,991
baseline
▲ 0.50% · 4.625%
HK$203,674
+HK$11,683/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$383,982/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,985
−HK$10,859/mo
▼ 0.25% · 3.875%
HK$206,375
−HK$5,469/mo
Today · 4.125%
HK$211,844
baseline
▲ 0.50% · 4.625%
HK$223,010
+HK$11,166/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$423,688/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,683 · Scale 2, in force from 26 Feb 2026)