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$100,408
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,532
−HK$3,173/mo
Today · 4.125%
HK$106,705
baseline
▲ 0.50% · 4.625%
HK$113,198
+HK$6,493/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$213,410/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,703
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,699
−HK$3,039/mo
Today · 4.125%
HK$117,738
baseline
▲ 0.50% · 4.625%
HK$123,944
+HK$6,206/mo
Deposit HK$22.02M · loan HK$22.02M · min. income ≈ HK$235,476/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,490
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,238
−HK$3,808/mo
Today · 4.125%
HK$128,046
baseline
▲ 0.50% · 4.625%
HK$135,837
+HK$7,791/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$256,092/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,044
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,639
−HK$3,647/mo
Today · 4.125%
HK$141,286
baseline
▲ 0.50% · 4.625%
HK$148,733
+HK$7,447/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$282,572/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,572
−HK$8,815/mo
▼ 0.25% · 3.875%
HK$144,944
−HK$4,443/mo
Today · 4.125%
HK$149,387
baseline
▲ 0.50% · 4.625%
HK$158,477
+HK$9,090/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$298,774/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,385
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$160,579
−HK$4,255/mo
Today · 4.125%
HK$164,834
baseline
▲ 0.50% · 4.625%
HK$173,522
+HK$8,688/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$329,668/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,735
−HK$11,334/mo
▼ 0.25% · 3.875%
HK$186,357
−HK$5,712/mo
Today · 4.125%
HK$192,069
baseline
▲ 0.50% · 4.625%
HK$203,756
+HK$11,687/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$384,138/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,066
−HK$10,863/mo
▼ 0.25% · 3.875%
HK$206,459
−HK$5,470/mo
Today · 4.125%
HK$211,929
baseline
▲ 0.50% · 4.625%
HK$223,100
+HK$11,171/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$423,858/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,438 · Scale 2, in force from 26 Feb 2026)