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$100,819
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,955
−HK$3,186/mo
Today · 4.125%
HK$107,141
baseline
▲ 0.50% · 4.625%
HK$113,660
+HK$6,519/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$214,282/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,160
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,168
−HK$3,051/mo
Today · 4.125%
HK$118,219
baseline
▲ 0.50% · 4.625%
HK$124,451
+HK$6,232/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$236,438/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,982
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,746
−HK$3,823/mo
Today · 4.125%
HK$128,569
baseline
▲ 0.50% · 4.625%
HK$136,392
+HK$7,823/mo
Deposit HK$17.69M · loan HK$26.53M · min. income ≈ HK$257,138/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,879,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,592
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,201
−HK$3,662/mo
Today · 4.125%
HK$141,863
baseline
▲ 0.50% · 4.625%
HK$149,341
+HK$7,478/mo
Deposit HK$17.69M · loan HK$26.53M · min. income ≈ HK$283,726/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,879,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,146
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$145,537
−HK$4,460/mo
Today · 4.125%
HK$149,997
baseline
▲ 0.50% · 4.625%
HK$159,124
+HK$9,127/mo
Deposit HK$13.26M · loan HK$30.95M · min. income ≈ HK$299,994/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,879,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,024
−HK$8,483/mo
▼ 0.25% · 3.875%
HK$161,235
−HK$4,272/mo
Today · 4.125%
HK$165,507
baseline
▲ 0.50% · 4.625%
HK$174,231
+HK$8,724/mo
Deposit HK$13.26M · loan HK$30.95M · min. income ≈ HK$331,014/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,879,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,474
−HK$11,380/mo
▼ 0.25% · 3.875%
HK$187,119
−HK$5,735/mo
Today · 4.125%
HK$192,854
baseline
▲ 0.50% · 4.625%
HK$204,588
+HK$11,734/mo
Deposit HK$4.42M · loan HK$39.79M · min. income ≈ HK$385,708/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,888
−HK$10,907/mo
▼ 0.25% · 3.875%
HK$207,302
−HK$5,493/mo
Today · 4.125%
HK$212,795
baseline
▲ 0.50% · 4.625%
HK$224,012
+HK$11,217/mo
Deposit HK$4.42M · loan HK$39.79M · min. income ≈ HK$425,590/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,085 · Scale 2, in force from 26 Feb 2026)