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$101,012
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,154
−HK$3,192/mo
Today · 4.125%
HK$107,346
baseline
▲ 0.50% · 4.625%
HK$113,878
+HK$6,532/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$214,692/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,374
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,388
−HK$3,058/mo
Today · 4.125%
HK$118,446
baseline
▲ 0.50% · 4.625%
HK$124,689
+HK$6,243/mo
Deposit HK$22.15M · loan HK$22.15M · min. income ≈ HK$236,892/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$1,882,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,214
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$124,984
−HK$3,831/mo
Today · 4.125%
HK$128,815
baseline
▲ 0.50% · 4.625%
HK$136,653
+HK$7,838/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$257,630/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,849
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$138,466
−HK$3,669/mo
Today · 4.125%
HK$142,135
baseline
▲ 0.50% · 4.625%
HK$149,627
+HK$7,492/mo
Deposit HK$17.72M · loan HK$26.58M · min. income ≈ HK$284,270/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$1,882,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,416
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$145,815
−HK$4,469/mo
Today · 4.125%
HK$150,284
baseline
▲ 0.50% · 4.625%
HK$159,429
+HK$9,145/mo
Deposit HK$13.29M · loan HK$31.01M · min. income ≈ HK$300,568/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,324
−HK$8,500/mo
▼ 0.25% · 3.875%
HK$161,543
−HK$4,281/mo
Today · 4.125%
HK$165,824
baseline
▲ 0.50% · 4.625%
HK$174,565
+HK$8,741/mo
Deposit HK$13.29M · loan HK$31.01M · min. income ≈ HK$331,648/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,821
−HK$11,401/mo
▼ 0.25% · 3.875%
HK$187,476
−HK$5,746/mo
Today · 4.125%
HK$193,222
baseline
▲ 0.50% · 4.625%
HK$204,980
+HK$11,758/mo
Deposit HK$4.43M · loan HK$39.87M · min. income ≈ HK$386,444/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,274
−HK$10,928/mo
▼ 0.25% · 3.875%
HK$207,699
−HK$5,503/mo
Today · 4.125%
HK$213,202
baseline
▲ 0.50% · 4.625%
HK$224,440
+HK$11,238/mo
Deposit HK$4.43M · loan HK$39.87M · min. income ≈ HK$426,404/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,882,679 · Scale 2, in force from 26 Feb 2026)