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$101,524
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,682
−HK$3,208/mo
Today · 4.125%
HK$107,890
baseline
▲ 0.50% · 4.625%
HK$114,455
+HK$6,565/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$215,780/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,892,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,944
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,973
−HK$3,073/mo
Today · 4.125%
HK$119,046
baseline
▲ 0.50% · 4.625%
HK$125,321
+HK$6,275/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$238,092/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,892,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,829
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$125,618
−HK$3,850/mo
Today · 4.125%
HK$129,468
baseline
▲ 0.50% · 4.625%
HK$137,346
+HK$7,878/mo
Deposit HK$17.81M · loan HK$26.71M · min. income ≈ HK$258,936/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,892,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,533
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$139,168
−HK$3,687/mo
Today · 4.125%
HK$142,855
baseline
▲ 0.50% · 4.625%
HK$150,386
+HK$7,531/mo
Deposit HK$17.81M · loan HK$26.71M · min. income ≈ HK$285,710/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,892,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,133
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$146,554
−HK$4,492/mo
Today · 4.125%
HK$151,046
baseline
▲ 0.50% · 4.625%
HK$160,237
+HK$9,191/mo
Deposit HK$13.36M · loan HK$31.17M · min. income ≈ HK$302,092/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,892,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,122
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$162,363
−HK$4,302/mo
Today · 4.125%
HK$166,665
baseline
▲ 0.50% · 4.625%
HK$175,450
+HK$8,785/mo
Deposit HK$13.36M · loan HK$31.17M · min. income ≈ HK$333,330/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,892,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,743
−HK$11,459/mo
▼ 0.25% · 3.875%
HK$188,427
−HK$5,775/mo
Today · 4.125%
HK$194,202
baseline
▲ 0.50% · 4.625%
HK$206,019
+HK$11,817/mo
Deposit HK$4.45M · loan HK$40.07M · min. income ≈ HK$388,404/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,892,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,300
−HK$10,983/mo
▼ 0.25% · 3.875%
HK$208,752
−HK$5,531/mo
Today · 4.125%
HK$214,283
baseline
▲ 0.50% · 4.625%
HK$225,578
+HK$11,295/mo
Deposit HK$4.45M · loan HK$40.07M · min. income ≈ HK$428,566/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,892,227 · Scale 2, in force from 26 Feb 2026)