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$100,722
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,855
−HK$3,183/mo
Today · 4.125%
HK$107,038
baseline
▲ 0.50% · 4.625%
HK$113,551
+HK$6,513/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$214,076/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,877,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,052
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,057
−HK$3,049/mo
Today · 4.125%
HK$118,106
baseline
▲ 0.50% · 4.625%
HK$124,332
+HK$6,226/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$236,212/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,877,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,866
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$124,626
−HK$3,820/mo
Today · 4.125%
HK$128,446
baseline
▲ 0.50% · 4.625%
HK$136,261
+HK$7,815/mo
Deposit HK$17.67M · loan HK$26.50M · min. income ≈ HK$256,892/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,463
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$138,069
−HK$3,658/mo
Today · 4.125%
HK$141,727
baseline
▲ 0.50% · 4.625%
HK$149,198
+HK$7,471/mo
Deposit HK$17.67M · loan HK$26.50M · min. income ≈ HK$283,454/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,011
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$145,397
−HK$4,456/mo
Today · 4.125%
HK$149,853
baseline
▲ 0.50% · 4.625%
HK$158,972
+HK$9,119/mo
Deposit HK$13.25M · loan HK$30.92M · min. income ≈ HK$299,706/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,873
−HK$8,475/mo
▼ 0.25% · 3.875%
HK$161,080
−HK$4,268/mo
Today · 4.125%
HK$165,348
baseline
▲ 0.50% · 4.625%
HK$174,064
+HK$8,716/mo
Deposit HK$13.25M · loan HK$30.92M · min. income ≈ HK$330,696/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,300
−HK$11,369/mo
▼ 0.25% · 3.875%
HK$186,939
−HK$5,730/mo
Today · 4.125%
HK$192,669
baseline
▲ 0.50% · 4.625%
HK$204,392
+HK$11,723/mo
Deposit HK$4.42M · loan HK$39.75M · min. income ≈ HK$385,338/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,877,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,694
−HK$10,897/mo
▼ 0.25% · 3.875%
HK$207,103
−HK$5,488/mo
Today · 4.125%
HK$212,591
baseline
▲ 0.50% · 4.625%
HK$223,797
+HK$11,206/mo
Deposit HK$4.42M · loan HK$39.75M · min. income ≈ HK$425,182/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,877,282 · Scale 2, in force from 26 Feb 2026)