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$101,465
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,621
−HK$3,207/mo
Today · 4.125%
HK$107,828
baseline
▲ 0.50% · 4.625%
HK$114,389
+HK$6,561/mo
Deposit HK$22.25M · loan HK$22.25M · min. income ≈ HK$215,656/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$1,891,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,879
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,906
−HK$3,071/mo
Today · 4.125%
HK$118,977
baseline
▲ 0.50% · 4.625%
HK$125,249
+HK$6,272/mo
Deposit HK$22.25M · loan HK$22.25M · min. income ≈ HK$237,954/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$1,891,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,758
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$125,545
−HK$3,848/mo
Today · 4.125%
HK$129,393
baseline
▲ 0.50% · 4.625%
HK$137,267
+HK$7,874/mo
Deposit HK$17.80M · loan HK$26.70M · min. income ≈ HK$258,786/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,891,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,455
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,087
−HK$3,686/mo
Today · 4.125%
HK$142,773
baseline
▲ 0.50% · 4.625%
HK$150,299
+HK$7,526/mo
Deposit HK$17.80M · loan HK$26.70M · min. income ≈ HK$285,546/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$1,891,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,051
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$146,470
−HK$4,489/mo
Today · 4.125%
HK$150,959
baseline
▲ 0.50% · 4.625%
HK$160,144
+HK$9,185/mo
Deposit HK$13.35M · loan HK$31.15M · min. income ≈ HK$301,918/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,891,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,030
−HK$8,538/mo
▼ 0.25% · 3.875%
HK$162,269
−HK$4,299/mo
Today · 4.125%
HK$166,568
baseline
▲ 0.50% · 4.625%
HK$175,348
+HK$8,780/mo
Deposit HK$13.35M · loan HK$31.15M · min. income ≈ HK$333,136/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,891,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,637
−HK$11,453/mo
▼ 0.25% · 3.875%
HK$188,318
−HK$5,772/mo
Today · 4.125%
HK$194,090
baseline
▲ 0.50% · 4.625%
HK$205,900
+HK$11,810/mo
Deposit HK$4.45M · loan HK$40.05M · min. income ≈ HK$388,180/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,182
−HK$10,977/mo
▼ 0.25% · 3.875%
HK$208,631
−HK$5,528/mo
Today · 4.125%
HK$214,159
baseline
▲ 0.50% · 4.625%
HK$225,448
+HK$11,289/mo
Deposit HK$4.45M · loan HK$40.05M · min. income ≈ HK$428,318/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,132 · Scale 2, in force from 26 Feb 2026)