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$100,351
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,472
−HK$3,172/mo
Today · 4.125%
HK$106,644
baseline
▲ 0.50% · 4.625%
HK$113,133
+HK$6,489/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$213,288/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,870,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,639
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,633
−HK$3,038/mo
Today · 4.125%
HK$117,671
baseline
▲ 0.50% · 4.625%
HK$123,874
+HK$6,203/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$235,342/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,870,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,421
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$124,167
−HK$3,806/mo
Today · 4.125%
HK$127,973
baseline
▲ 0.50% · 4.625%
HK$135,759
+HK$7,786/mo
Deposit HK$17.60M · loan HK$26.41M · min. income ≈ HK$255,946/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,870,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,967
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$137,560
−HK$3,645/mo
Today · 4.125%
HK$141,205
baseline
▲ 0.50% · 4.625%
HK$148,648
+HK$7,443/mo
Deposit HK$17.60M · loan HK$26.41M · min. income ≈ HK$282,410/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,870,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,491
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$144,861
−HK$4,440/mo
Today · 4.125%
HK$149,301
baseline
▲ 0.50% · 4.625%
HK$158,386
+HK$9,085/mo
Deposit HK$13.20M · loan HK$30.81M · min. income ≈ HK$298,602/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,870,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,295
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$160,487
−HK$4,252/mo
Today · 4.125%
HK$164,739
baseline
▲ 0.50% · 4.625%
HK$173,423
+HK$8,684/mo
Deposit HK$13.20M · loan HK$30.81M · min. income ≈ HK$329,478/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,870,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,632
−HK$11,327/mo
▼ 0.25% · 3.875%
HK$186,250
−HK$5,709/mo
Today · 4.125%
HK$191,959
baseline
▲ 0.50% · 4.625%
HK$203,639
+HK$11,680/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$383,918/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,951
−HK$10,857/mo
▼ 0.25% · 3.875%
HK$206,340
−HK$5,468/mo
Today · 4.125%
HK$211,808
baseline
▲ 0.50% · 4.625%
HK$222,972
+HK$11,164/mo
Deposit HK$4.40M · loan HK$39.61M · min. income ≈ HK$423,616/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,366 · Scale 2, in force from 26 Feb 2026)