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$100,443
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$103,568
−HK$3,174/mo
Today · 4.125%
HK$106,742
baseline
▲ 0.50% · 4.625%
HK$113,237
+HK$6,495/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$213,484/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,742
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$114,739
−HK$3,040/mo
Today · 4.125%
HK$117,779
baseline
▲ 0.50% · 4.625%
HK$123,988
+HK$6,209/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$235,558/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$1,872,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,532
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,281
−HK$3,809/mo
Today · 4.125%
HK$128,090
baseline
▲ 0.50% · 4.625%
HK$135,884
+HK$7,794/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$256,180/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,872,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,091
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$137,687
−HK$3,648/mo
Today · 4.125%
HK$141,335
baseline
▲ 0.50% · 4.625%
HK$148,785
+HK$7,450/mo
Deposit HK$17.62M · loan HK$26.43M · min. income ≈ HK$282,670/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,872,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,621
−HK$8,818/mo
▼ 0.25% · 3.875%
HK$144,995
−HK$4,444/mo
Today · 4.125%
HK$149,439
baseline
▲ 0.50% · 4.625%
HK$158,532
+HK$9,093/mo
Deposit HK$13.21M · loan HK$30.83M · min. income ≈ HK$298,878/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,439
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$160,635
−HK$4,256/mo
Today · 4.125%
HK$164,891
baseline
▲ 0.50% · 4.625%
HK$173,583
+HK$8,692/mo
Deposit HK$13.21M · loan HK$30.83M · min. income ≈ HK$329,782/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,798
−HK$11,338/mo
▼ 0.25% · 3.875%
HK$186,422
−HK$5,714/mo
Today · 4.125%
HK$192,136
baseline
▲ 0.50% · 4.625%
HK$203,827
+HK$11,691/mo
Deposit HK$4.40M · loan HK$39.64M · min. income ≈ HK$384,272/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,136
−HK$10,867/mo
▼ 0.25% · 3.875%
HK$206,530
−HK$5,473/mo
Today · 4.125%
HK$212,003
baseline
▲ 0.50% · 4.625%
HK$223,178
+HK$11,175/mo
Deposit HK$4.40M · loan HK$39.64M · min. income ≈ HK$424,006/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,088 · Scale 2, in force from 26 Feb 2026)