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$100,401
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,524
−HK$3,173/mo
Today · 4.125%
HK$106,697
baseline
▲ 0.50% · 4.625%
HK$113,189
+HK$6,492/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$213,394/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,695
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,691
−HK$3,039/mo
Today · 4.125%
HK$117,730
baseline
▲ 0.50% · 4.625%
HK$123,936
+HK$6,206/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$235,460/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,481
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,229
−HK$3,808/mo
Today · 4.125%
HK$128,037
baseline
▲ 0.50% · 4.625%
HK$135,827
+HK$7,790/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$256,074/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,034
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,629
−HK$3,647/mo
Today · 4.125%
HK$141,276
baseline
▲ 0.50% · 4.625%
HK$148,723
+HK$7,447/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$282,552/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,562
−HK$8,814/mo
▼ 0.25% · 3.875%
HK$144,934
−HK$4,442/mo
Today · 4.125%
HK$149,376
baseline
▲ 0.50% · 4.625%
HK$158,465
+HK$9,089/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$298,752/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,373
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$160,567
−HK$4,255/mo
Today · 4.125%
HK$164,822
baseline
▲ 0.50% · 4.625%
HK$173,510
+HK$8,688/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$329,644/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,722
−HK$11,333/mo
▼ 0.25% · 3.875%
HK$186,344
−HK$5,711/mo
Today · 4.125%
HK$192,055
baseline
▲ 0.50% · 4.625%
HK$203,741
+HK$11,686/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$384,110/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,051
−HK$10,863/mo
▼ 0.25% · 3.875%
HK$206,444
−HK$5,470/mo
Today · 4.125%
HK$211,914
baseline
▲ 0.50% · 4.625%
HK$223,084
+HK$11,170/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$423,828/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,302 · Scale 2, in force from 26 Feb 2026)