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$100,759
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,893
−HK$3,184/mo
Today · 4.125%
HK$107,077
baseline
▲ 0.50% · 4.625%
HK$113,592
+HK$6,515/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$214,154/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,877,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,093
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,099
−HK$3,050/mo
Today · 4.125%
HK$118,149
baseline
▲ 0.50% · 4.625%
HK$124,377
+HK$6,228/mo
Deposit HK$22.09M · loan HK$22.09M · min. income ≈ HK$236,298/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$1,877,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,910
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$124,671
−HK$3,821/mo
Today · 4.125%
HK$128,492
baseline
▲ 0.50% · 4.625%
HK$136,311
+HK$7,819/mo
Deposit HK$17.67M · loan HK$26.51M · min. income ≈ HK$256,984/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,512
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,119
−HK$3,660/mo
Today · 4.125%
HK$141,779
baseline
▲ 0.50% · 4.625%
HK$149,252
+HK$7,473/mo
Deposit HK$17.67M · loan HK$26.51M · min. income ≈ HK$283,558/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$1,877,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,062
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$145,450
−HK$4,458/mo
Today · 4.125%
HK$149,908
baseline
▲ 0.50% · 4.625%
HK$159,029
+HK$9,121/mo
Deposit HK$13.26M · loan HK$30.93M · min. income ≈ HK$299,816/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,930
−HK$8,479/mo
▼ 0.25% · 3.875%
HK$161,139
−HK$4,270/mo
Today · 4.125%
HK$165,409
baseline
▲ 0.50% · 4.625%
HK$174,127
+HK$8,718/mo
Deposit HK$13.26M · loan HK$30.93M · min. income ≈ HK$330,818/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,877,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,365
−HK$11,374/mo
▼ 0.25% · 3.875%
HK$187,007
−HK$5,732/mo
Today · 4.125%
HK$192,739
baseline
▲ 0.50% · 4.625%
HK$204,466
+HK$11,727/mo
Deposit HK$4.42M · loan HK$39.77M · min. income ≈ HK$385,478/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,877,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,767
−HK$10,901/mo
▼ 0.25% · 3.875%
HK$207,179
−HK$5,489/mo
Today · 4.125%
HK$212,668
baseline
▲ 0.50% · 4.625%
HK$223,878
+HK$11,210/mo
Deposit HK$4.42M · loan HK$39.77M · min. income ≈ HK$425,336/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,877,965 · Scale 2, in force from 26 Feb 2026)