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$101,408
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,563
−HK$3,204/mo
Today · 4.125%
HK$107,767
baseline
▲ 0.50% · 4.625%
HK$114,325
+HK$6,558/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$215,534/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,816
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,841
−HK$3,070/mo
Today · 4.125%
HK$118,911
baseline
▲ 0.50% · 4.625%
HK$125,179
+HK$6,268/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$237,822/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,690
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$125,475
−HK$3,846/mo
Today · 4.125%
HK$129,321
baseline
▲ 0.50% · 4.625%
HK$137,190
+HK$7,869/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$258,642/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,379
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$139,010
−HK$3,683/mo
Today · 4.125%
HK$142,693
baseline
▲ 0.50% · 4.625%
HK$150,214
+HK$7,521/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$285,386/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,972
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$146,388
−HK$4,486/mo
Today · 4.125%
HK$150,874
baseline
▲ 0.50% · 4.625%
HK$160,055
+HK$9,181/mo
Deposit HK$13.34M · loan HK$31.13M · min. income ≈ HK$301,748/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,890,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,942
−HK$8,533/mo
▼ 0.25% · 3.875%
HK$162,178
−HK$4,297/mo
Today · 4.125%
HK$166,475
baseline
▲ 0.50% · 4.625%
HK$175,250
+HK$8,775/mo
Deposit HK$13.34M · loan HK$31.13M · min. income ≈ HK$332,950/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,890,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,535
−HK$11,446/mo
▼ 0.25% · 3.875%
HK$188,213
−HK$5,768/mo
Today · 4.125%
HK$193,981
baseline
▲ 0.50% · 4.625%
HK$205,785
+HK$11,804/mo
Deposit HK$4.45M · loan HK$40.03M · min. income ≈ HK$387,962/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,068
−HK$10,971/mo
▼ 0.25% · 3.875%
HK$208,514
−HK$5,525/mo
Today · 4.125%
HK$214,039
baseline
▲ 0.50% · 4.625%
HK$225,322
+HK$11,283/mo
Deposit HK$4.45M · loan HK$40.03M · min. income ≈ HK$428,078/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,073 · Scale 2, in force from 26 Feb 2026)