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$100,747
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,881
−HK$3,184/mo
Today · 4.125%
HK$107,065
baseline
▲ 0.50% · 4.625%
HK$113,579
+HK$6,514/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$214,130/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,877,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,080
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,086
−HK$3,049/mo
Today · 4.125%
HK$118,135
baseline
▲ 0.50% · 4.625%
HK$124,362
+HK$6,227/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$236,270/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,877,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,896
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,657
−HK$3,820/mo
Today · 4.125%
HK$128,477
baseline
▲ 0.50% · 4.625%
HK$136,295
+HK$7,818/mo
Deposit HK$17.67M · loan HK$26.51M · min. income ≈ HK$256,954/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,496
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$138,103
−HK$3,659/mo
Today · 4.125%
HK$141,762
baseline
▲ 0.50% · 4.625%
HK$149,235
+HK$7,473/mo
Deposit HK$17.67M · loan HK$26.51M · min. income ≈ HK$283,524/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,046
−HK$8,844/mo
▼ 0.25% · 3.875%
HK$145,433
−HK$4,457/mo
Today · 4.125%
HK$149,890
baseline
▲ 0.50% · 4.625%
HK$159,011
+HK$9,121/mo
Deposit HK$13.25M · loan HK$30.93M · min. income ≈ HK$299,780/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,912
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$161,120
−HK$4,269/mo
Today · 4.125%
HK$165,389
baseline
▲ 0.50% · 4.625%
HK$174,107
+HK$8,718/mo
Deposit HK$13.25M · loan HK$30.93M · min. income ≈ HK$330,778/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,344
−HK$11,372/mo
▼ 0.25% · 3.875%
HK$186,985
−HK$5,731/mo
Today · 4.125%
HK$192,716
baseline
▲ 0.50% · 4.625%
HK$204,443
+HK$11,727/mo
Deposit HK$4.42M · loan HK$39.76M · min. income ≈ HK$385,432/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,877,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,744
−HK$10,899/mo
▼ 0.25% · 3.875%
HK$207,154
−HK$5,489/mo
Today · 4.125%
HK$212,643
baseline
▲ 0.50% · 4.625%
HK$223,852
+HK$11,209/mo
Deposit HK$4.42M · loan HK$39.76M · min. income ≈ HK$425,286/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,877,746 · Scale 2, in force from 26 Feb 2026)